PPO's and HMO's?
Do PPO’s cover weight lost surgeries or is it more of an HMO coverage?
Preferred Provider Organization (PPO) - The insurer contracts with a network of medical providers who agree to accept lower fees and/or to control utilization. The insured receives a higher lever of benefits if they go to a preferred provider than if they go to a non-preferred provider.
Health Maintenance Organization (HMO) - People enrolled in this plan must choose a primary care physician from a list of participating doctors. For any non-emergency hospital or specialty care, you must get a referral from your primary care physician
I don't know for sure. I have a PPO plan and just got approved but the Insurance Co required a 6 month diet before approval. Some insurance companies dont require that.
I previously had Kaiser which is an HMO. They do bariatric surgery but also had lots of requirements before approval.
It may be more who your insurance company is not so much if it's a PPO or HMO.
Debbie
Kimmie, most times it is if the policy that your employer has includes the rider to cover it. There are so I would check with your company's benefits administrator. They will be able to help with getting all the answers you need from what is/will be covered to what the requirements are.
Good Luck
Wendi
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