Obesity And Health Insurance

About Obesity And Health Insurance You Need To Understand

Copyright 2006 Stacy Zimmerman

When it comes to health insurance, it seems like we all pay high premiums. Healthcare costs have increased and this is reflected in the quotes we receive. However, if you are obese, your health insurance premiums may be much higher or some health insurance companies may deny you coverage. However, if you want to lose weight, you can find healthcare insurance that is much cheaper and has more options.

The truth is that health insurance companies have different policies regarding obesity. When health insurance applicants are below the normal weight standard, they may be denied health insurance coverage or their premiums may be increased.

Many insurance companies may require the applicant to obtain physical pre-approval before accepting the applicant for coverage. The truth is that obesity is very expensive for insurance companies and they apply very strict standards to their coverage regarding the weight of the applicant.

Due to the fact that obesity treatment is very expensive, health insurance premiums have risen exponentially over the past few years. Obesity comes with many other diseases such as cardiovascular disease, high blood pressure, and diabetes. Treatment for this disorder is expensive and paid for by the insurance company.

This is the reason for their strict weight standards. One obese person can cost insurance companies thousands of dollars each year. Many individuals obtain health insurance coverage from their employers. Because insurance premiums have increased so much over the past few years, many employers, especially small businesses, cannot provide coverage for their employees.

In fact, when someone is obese, they will generally have health problems and will often undergo tests and treatment. This is of course an expense that can be prevented if the person loses weight. Research has proven that obese people have more health problems than thin people. However, this does not prevent individuals from gaining weight.

More and more people are gaining weight and falling into the category of obesity and this includes children as well. According to a recent study by Thompson Corporation, in 2004, up to 16 percent of children in the United States could be diagnosed with obesity.

Health care costs for children being treated for obesity are prohibitive. Children covered by Medicaid cost about $6,700 per year per child, and those with private insurance pay about $3,700 per obese child.

While obesity is only partially responsible for the rising costs of health insurance, it puts a strain on society, as well as on patients themselves. However, the continued rise in health insurance is not going to end, and neither will obesity.

If obese people can lose weight, they will find that their health insurance premiums will be much lower and they will have an easier time obtaining health insurance coverage.

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