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Weight loss medications are becoming increasingly popular as people try to shed those stubborn pounds. But is United Healthcare one of the insurance companies that will cover them? The answer is yes! United Healthcare does cover weight loss medications, providing they are prescribed by a physician and meet certain criteria. This article explores the details of United Healthcare’s coverage for weight loss medications, including what types are covered and what the requirements are.
Types of Medications Covered
United Healthcare covers a variety of weight loss medications, both prescription and over-the-counter (OTC). Prescription medications include appetite suppressants, such as phentermine, and anti-obesity drugs, such as orlistat. Over-the-counter medications include diet pills, such as Alli, and herbal supplements, such as hoodia gordonii. In addition, United Healthcare also covers weight loss medications that are administered as injections, such as Saxenda.
Requirements for Coverage
In order for United Healthcare to cover weight loss medications, there are certain criteria that must be met. For prescription medications, the patient must have a valid prescription from their doctor. The prescription must be for a medication that is approved by the Food and Drug Administration (FDA) and is deemed medically necessary. Additionally, the prescription must be filled at a pharmacy that is in-network with United Healthcare.
For over-the-counter medications, the patient must obtain a letter of medical necessity from their doctor. The letter must explain why the medication is medically necessary and must be submitted to United Healthcare for approval. If approved, the patient can then purchase the medication from an in-network pharmacy.
Costs and Copays
The cost of weight loss medications will vary depending on the specific medication and the patient’s health insurance plan. In general, however, patients can expect to pay a copay for both prescription and over-the-counter medications. The copay will be a percentage of the medication’s total cost, and will vary depending on the patient’s plan. Additionally, some plans may require the patient to meet a deductible before they can receive coverage.
What If My Medication Is Not Covered?
If the medication prescribed by your doctor is not covered by United Healthcare, it is possible to appeal the decision. You can submit a formal letter to United Healthcare explaining why you believe the medication should be covered. Additionally, you can ask your doctor to provide a letter of medical necessity, which may help persuade United Healthcare to cover the medication.
Conclusion
United Healthcare does cover weight loss medications, providing the patient meets the criteria outlined by their plan. Prescription medications must be approved by the FDA and filled at an in-network pharmacy, while over-the-counter medications must be approved by United Healthcare before they can be purchased. Costs and copays will vary depending on the medication and the patient’s insurance plan. If the medication is not covered, it is possible to appeal the decision.