Pricey Employer: Learn how to Ask for Weight problems Care Insurance coverage Protection

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In case you reside with weight problems, getting the medical care and different help you deserve might be robust. Insurance coverage could not cowl all the newest therapies or particular packages. And your prices can actually add up in case your insurance coverage plan doesn’t cowl the companies you want.

Therapies for weight problems could embody:

• Anti-obesity drugs
• Dietary counseling or different remedy
• Weight reduction packages
• 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’ll be able to nonetheless ask your human sources or advantages administrator that can assist you get protection on an exception foundation. They may think about including protection to the advantages bundle for everybody once they replace advantages for subsequent 12 months, however it’s necessary to know that employer-sponsored profit design usually occurs one to a few years upfront, so it could 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 model and scenario. Be sure you customise the content material inside the brackets to particularly handle what you want.

To jot down the simplest letter potential, 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 might be very particular in your request.
• Calculate what you’ve needed to spend by yourself look after weight problems care, together with the influence in your general well being and well-being. Embody non-medical prices, reminiscent of 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 capacity to carry out at work.

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

First and Final Title
Road Deal with
Metropolis, State and ZIP Code
Telephone Quantity

Date (while you ship the letter)

Advantages or Human Sources Consultant First and Final Title

Job Title
Firm Title
Firm Road Deal with
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 respect the beneficiant well being advantages that [insert company’s name] affords. Nonetheless, a number of the care that I would like just isn’t accessible or reasonably priced.

I reside 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 just 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 looking 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 the USA, 42% of adults reside with weight problems, based on the CDC. [If you want to add the obesity rate in your state, FIND YOUR STATE HERE and add: In [your state], that price is [insert the percentage you find].

Research present that general, medical prices associated to this illness are an estimated $173 billion every year in the USA. For every particular person with weight problems, medical prices are practically $1,900 larger than for individuals who would not have weight problems.

Folks 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 might be severe and dear — 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 necessary to have a variety of weight problems therapies obtainable, accessible and reasonably priced as a result of not each therapy or strategy works for everybody. Folks with weight problems deserve entry to the total vary of clinically legitimate, FDA-approved therapies, identical to folks with every other illness. New scientific discoveries result in new therapies on a regular basis. Folks with weight problems ought to have entry to new developments to have the most effective likelihood of managing and even beating this illness.

I respectfully request that you just 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’d like to see our firm help all folks residing with weight problems by adjusting the advantages bundle 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.

Thanks in your consideration. Please let me understand how we’d work collectively to assist me get the protection I would like and what the most effective subsequent steps are.

Sincerely,

[Your first and last name]

This instructional useful resource was created with support from Eli Lilly and Firm.