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Dr. David Kim Kim Bariatric Institute

Insurance after Weight-Loss Surgery

photo6585At DFW Bariatric Institute, we are passionate about helping you overcome morbid obesity. Weight loss surgery can improve your quality of life by allowing you to regain your health and self-esteem. In addition to helping you slim down, bariatric surgery can be an effective tool for preventing obesity-related diseases. Our entire weight loss surgery team strive to provide you with enough tools, advice, and support to help you throughout recovery, and prepare you for any potential difficulties that you may face after the procedure.

Some patients may have issues getting life or health insurance coverage after weight loss surgery. Since life insurance companies in particular evaluate individuals based on their lifestyle, weight, height, and other factors, and they may deny coverage if you do not meet their strict guidelines.

A recent article by Amber Huett on obesityaction.org discussed this very issue, and offered some tips for those who are denied life or health insurance after weight loss surgery:

  • Contact the insurance company and ask questions to see if there is anything you can do to help them approve your application.
  • Ask about the appeals process and the steps you would need to take to get them to reconsider the decision.
  • Get letters of support from medical professionals who treated you and can attest to obesity-related diseases that may have been improved or cured since your surgery.
  • Show the insurance company documented proof that you are healthy.
  • Talk with an insurance broker about “split risk” options.
  • Write letters to your local legislators and/or national member of Congress. It may also be helpful to get support from local interest groups and other individuals in your community who are concerned about the issue. Then, you can contact your local representative’s office and ask for a meeting.
  • File a formal complaint with your state’s insurance commission.

With determination, those who have been denied coverage because of a previous bariatric surgery may be able to obtain adequate health and life insurance while advocating for other patients who may be in the same situation.

If you have questions, please contact DFW Bariatric Institute today.

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