The Three-step Insurance Process for the LAP-BAND Procedure
Our professional staff at WTS will work with you and your insurance carrier aggressively for insurance approval.
Three Steps to Approval:
- Verification of Insurance Benefits
Complete the patient demographic form in its entirety and send it as soon as possible so we can verify that your insurance policy covers the LAP-BAND Procedure.
- Letter of Medical Necessity
Most insurance carriers require a letter of medical necessity from your primary care physician. We will fax a sample letter of medical necessity to your physician for him/her to complete. Here is the sample letter is attached for your review. Once we receive the letter back from your physician, we will submit it along with other criteria your insurance carrier may require.
- Other Criteria Your Insurance Carrier May Require
• Height, Weight and BMI
• 12 – 18 months of a physician-directed weight loss program that you have participated in.
• Psychological Consultation
• Nutritional Consultation
• Medical records
Effective Appeals
If denied by your insurance carrier, most plans offer a limited number of appeals. Our staff will work with your insurance company to ensure that they receive the information requested.
Insurance Alternative
If your insurance carriers denies coverage for the Lap-Band procedure, there are several alternatives that can be considered.
- Capitol One Healthcare Finance
For information or to apply call toll-free 877-559-5050 or visit their web site at www.capitalonehealthcarefinance.com
- Cash
Options may include using a 401(k) fund, savings or stocks.
- Loans
A loan from a financial institution such as a bank or credit union can be another way to finance the Lap-Band procedure.
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