The short answer to the question, does Medicare cover weight loss surgery, is a definite yes. As a matter of fact, most Medicare plans do cover this procedure. This is usually not a major expense on the part of Medicare beneficiaries, but in the case of a major illness or accident, it could become significant. To determine whether Medicare will pay for your weight loss surgery, the best place to begin is by checking with your primary care physician.
If you are an elderly Medicare beneficiary who is considering undergoing any type of surgery to combat illness or disease, it is important that you have a frank discussion with your physician. There may be specific conditions that your physician may deem to be pre-existing conditions. In most cases, however, all Medicare programs include coverage for all types of invasive surgeries, including liposuction and weight loss surgery. However, some programs require a co-payment before coverage will begin. Consult your physician if you have any concerns about these requirements.
When it comes to Medicare Part A, which covers hospitalization and surgical costs, you may want to consider enrolling in the supplemental insurance plan. Part A does not cover outpatient procedures like weight loss surgery, but you can still receive most of the services covered by Part B. Part B, also known as Medicare Part B, is usually considered optional by Medicare’s providers, but in some cases, it is mandatory.
Medicare Part D, also referred to as the prescription drug program, covers the cost of most common and prescribed medications. The only exception to the rule is if you are a long term care (LTC) or Medigap program beneficiary.
In most cases, weight loss surgery falls into the category of elective surgery. While this is not covered by most Medicare plans, certain states have begun to cover the expenses of surgery if there are medical contraindications.
There are several other coverage options that may be available to you. For example, you may be able to receive prescription coverage through your employer. In addition to providing you with the prescription coverage you need, your employer can also provide supplemental health benefits, such as mental health and dental insurance.
If you own your own home, you may also qualify for federal assistance through Medicaid or state-funded private insurance plans. or government programs. Be aware that Medicaid eligibility is determined by a number of factors, including medical history, income level and family status.
Private health insurance plans are often more expensive than Medicare plans, but they can provide the same level of coverage. Many companies will cover your surgery in addition to your existing health insurance plan. For many people, it can be worth it to go with the company plan so that they can continue with their routine medical care.
Medicare does not typically cover cosmetic surgery, such as liposuction. It is also important to remember that while you are eligible for Medicare, the Medicare system will not pay for any medications you take. While this is not an issue if you have Medicare Part B and Part D coverage, it may become a concern if you are currently taking prescription medications.
You may be surprised to find that you are able to get financing through a loan. from your bank. Most banks are more than willing to finance the surgery if you can show a steady source of income and prove that you will be able to make the payments.
Medicare has rules to protect its policyholders. If you decide to go under the knife, you will have to sign a contract indicating that you will abide by all Medicare rules for at least five years. If you do not follow those rules, you could face fines or loss of coverage.
Before you decide to undergo any type of weight loss surgery, talk to your doctor about the possibility of Medicare coverage. Most doctors can help you understand the guidelines, but there are also organizations that specialize in helping people who are considering surgery. If you cannot afford to pay for your surgery, they can refer you to a group that can.