In case you reside with weight problems, getting the medical care and different assist you deserve might be powerful. Insurance coverage could not cowl all the newest remedies or particular packages. 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 packages
• 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’ll be able to nonetheless ask your human assets or advantages administrator that will help you get protection on an exception foundation. They may think about including protection to the advantages package deal for everybody after they replace advantages for subsequent yr, nevertheless it’s necessary to know that employer-sponsored profit design typically 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 happy to alter the wording to suit your fashion and scenario. Make sure to customise the content material throughout the brackets to particularly handle what you want.

To put in writing the best 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 might 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. Embrace non-medical prices, comparable 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 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 Identify
Road Handle
Metropolis, State and ZIP Code
Cellphone Quantity

Date (while you ship the letter)

Advantages or Human Assets Consultant First and Final Identify

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

Expensive [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] affords. Nonetheless, a few of the care that I would like will not be 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 not too long ago 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 therapy that I’m looking for.

This therapy 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 reside 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 price 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 practically $1,900 increased than for individuals who wouldn’t have weight problems.

Folks with weight problems have increased 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 circumstances might be critical 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 widely known as a medical situation. It’s necessary to have a variety of weight problems remedies out there, 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 remedies, identical to individuals with some other illness. New scientific discoveries result in new remedies on a regular basis. Folks with weight problems ought to have entry to new developments to have the perfect likelihood 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 assist all individuals residing with weight problems by adjusting the advantages package deal total to cowl extra obesity-related remedies, providers and suppliers and to supply the choice for versatile spending accounts (FSA) or well being financial savings accounts (HSA) for weight problems care.

Thanks to your consideration. Please let me know the way we’d work collectively to assist me get the protection I would like and what the perfect subsequent steps are.

Sincerely,

[Your first and last name]

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