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Friday, March 1, 2024

Tips on how to Ask Your Employer for Weight problems Care Insurance coverage Protection

In the event you dwell with weight problems, getting the medical care and different help you deserve could be powerful. Insurance coverage could not cowl all the most recent remedies or particular applications. And your prices can actually add up in case your insurance coverage plan doesn’t cowl the providers you want.

Therapies for weight problems could embody:

  • Anti-obesity drugs
  • 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 remedies or providers, you possibly can nonetheless ask your human sources or advantages administrator that can assist you get protection on an exception foundation. They may contemplate including protection to the advantages package deal for everybody once they replace advantages for subsequent yr, however it’s essential to know that employer-sponsored profit design typically occurs one to a few years prematurely, 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 vary the wording to suit your model and scenario. Remember to customise the content material throughout the brackets to particularly deal with what you want.

To put in writing the simplest letter potential, comply with these steps:

  • Put together by researching the medical insurance coverage you’re enrolled in or contemplating.
  • Collect your prescriptions and healthcare supplier suggestions so that you could be very particular in your request.
  • Calculate what you’ve needed to spend by yourself take care of weight problems care, together with the impression in your total well being and well-being. Embody non-medical prices, akin 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 potential to carry out at work.

Be respectful and strategy your employer in a spirit of partnership. And belief that you just 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 Tackle
Metropolis, State and ZIP Code
Telephone Quantity

Date (if you ship the letter)

Advantages or Human Sources Consultant First and Final Identify

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

Pricey [benefits or human resources representative name],

I’m writing to ask you for assist with medical insurance protection for medical care that I would like. I admire the beneficiant well being advantages that [insert company’s name] presents. Nonetheless, a few of the care that I would like shouldn’t be 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 just lately realized 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 remedy that I’m looking for.

This remedy has the potential to enhance my well being, well-being and total 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 dwell with weight problems, in response to 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 total, 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 almost $1,900 greater than for individuals who do not need weight problems.

Individuals with weight problems have greater medical prices as a result of we are likely to have extra well being issues. Weight problems has been linked to diabetes, coronary heart illness and most cancers, amongst others. These situations could be critical 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 essential to have a spread of weight problems remedies obtainable, accessible and reasonably priced as a result of not each remedy or strategy works for everybody. Individuals with weight problems deserve entry to the complete vary of clinically legitimate, FDA-approved remedies, identical to individuals with every other illness. New scientific discoveries result in new remedies on a regular basis. Individuals with weight problems ought to have entry to new developments to have one of the best probability of managing and even beating this illness.

I respectfully request that you just assist me organize 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 individuals residing with weight problems by adjusting the advantages package deal total to cowl extra obesity-related remedies, providers and suppliers and to offer 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 know the way we’d work collectively to assist me get the protection I would like and what one of the best subsequent steps are.


[Your first and last name]

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

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