How you can Ask Your Employer for Weight problems Care Insurance coverage Protection

by HealthMatters December 2, 2023, 7:42 pm 1.7k Views

For those who dwell with weight problems, getting the medical care and different help you deserve will be powerful. Insurance coverage might not cowl all the most recent therapies or particular applications. And your prices can actually add up in case your insurance coverage plan doesn’t cowl the companies you want.

Therapies for weight problems might embody:

Anti-obesity medicines
Dietary counseling or different remedy
Weight reduction applications
Prescription digital therapeutics (PDTs)
Weight reduction surgical procedure
Session and care from weight problems specialists

In case your plan doesn’t provide these therapies or companies, you may nonetheless ask your human assets or advantages administrator that will help you get protection on an exception foundation. They could contemplate including protection to the advantages package deal for everybody once they replace advantages for subsequent yr, however it’s vital to know that employer-sponsored profit design usually occurs one to a few years upfront, so it might take a while to see outcomes.

Use this pattern letter to ask your employer to cowl your care. Be at liberty to alter the wording to suit your fashion and scenario. Make sure you customise the content material throughout the brackets to particularly deal with what you want.

To jot down the simplest letter doable, observe these steps:

Put together by researching the medical health insurance coverage you’re enrolled in or contemplating.
Collect your prescriptions and healthcare supplier suggestions so that you will be very particular in your request.
Calculate what you’ve needed to spend by yourself look after weight problems care, together with the impression in your general well being and well-being. Embrace non-medical prices, similar to transportation and time away from work.
Use this info to make the case that improved protection will enhance your life, your well being and your means to carry out at work.

Be respectful and strategy your employer in a spirit of partnership. And belief that you simply share the identical objective: for each worker to have the ability to contribute their finest to the corporate and to dwell their finest lives.

First and Final Identify
Road Handle
Metropolis, State and ZIP Code
Cellphone Quantity

Date (whenever you ship the letter)

Advantages or Human Sources Consultant First and Final Identify

Job Title
Firm Identify
Firm Road Handle
Firm Metropolis, State and ZIP Code

Pricey [benefits or human resources representative name],

I’m writing to ask you for assist with medical health insurance protection for medical care that I would like. I admire the beneficiant well being advantages that [insert company’s name] affords. Nonetheless, a few of the care that I would like isn’t accessible or reasonably priced.

I dwell with the illness of weight problems and I would like [describe the treatment you want to get or the specialist you want to see. Note if your healthcare provider has prescribed or recommended a specific program, treatment, drug or referral to a nutritionist or other specialist].

I lately discovered that our insurance coverage plan, [insert insurance company name and specific insurance plan you’re on or are considering signing up for], doesn’t cowl the therapy that I’m searching for.

This therapy has the potential to enhance my well being, well-being and general high quality of life. [Describe how obesity has affected you, your health and well-being. Explain any conditions you may have that are related to or caused by obesity. Share details of any treatment or medication you need because of obesity or related conditions. Include the cost of treatments and medications due to obesity and related conditions. State if the costs create a hardship for you.]

I do know that I’m not alone. In america, 42% of adults dwell with weight problems, in accordance with the CDC. [If you want to add the obesity rate in your state, FIND YOUR STATE HERE and add: In [your state], that charge is [insert the percentage you find].

Research present that general, medical prices associated to this illness are an estimated $173 billion every year in america. For every particular person with weight problems, medical prices are almost $1,900 larger than for individuals who do not need weight problems.

Individuals with weight problems have larger medical prices as a result of we are inclined to have extra well being issues. Weight problems has been linked to diabetes, coronary heart illness and most cancers, amongst others. These situations will be severe and expensive — even lethal. Treating weight problems not solely improves and saves lives, it helps decrease healthcare prices for people and employers.

Weight problems is now well known as a medical situation. It’s vital to have a spread of weight problems therapies accessible, accessible and reasonably priced as a result of not each therapy or strategy works for everybody. Individuals with weight problems deserve entry to the complete vary of clinically legitimate, FDA-approved therapies, similar to folks with every other illness. New scientific discoveries result in new therapies on a regular basis. Individuals with weight problems ought to have entry to new developments to have the very best likelihood of managing and even beating this illness.

I respectfully request that you simply assist me prepare protection for [insert the service or treatment or provider you need], by way of an exception course of or in any other case. Ideally, I might like to see our firm help all folks dwelling with weight problems by adjusting the advantages package deal general to cowl extra obesity-related therapies, companies and suppliers and to supply the choice for versatile spending accounts (FSA) or well being financial savings accounts (HSA) for weight problems care.