Health insurers' medical necessity determinations for bariatric surgery.
OBJECTIVE
This study explored how state managed-care patient protection laws affect health insurers' criteria for medical necessity, using bariatric surgery for weight reduction as a case in point.


METHODS
Six states and three national insurers were selected for in-depth case studies to represent a range of market, demographic, and legal conditions. In each state, 10-12 qualitative interviews were conducted in 2002 with insurers, regulators, providers, and healthcare attorneys, for a total of 71 interview subjects.


RESULTS
Denials of coverage for bariatric surgery are a frequent source of appeals to external review, and external reviewers frequently overturn these denials. However, few insurers feel pressured to approve most or all requests for coverage because external review decisions do not set binding precedents. Instead, insurers continue to assert their own criteria for medical necessity, relying on the insurance contract's general definition of medical necessity. Some insurers, however, specifically exclude all weight reduction surgery because of the difficulty of defending case-by-case denials on appeal.


CONCLUSIONS
Unlike most areas of medicine, in which health insurers have greatly scaled back their past efforts to scrutinize medical necessity, for bariatric surgery, many insurers continue to apply a more stringent standard for medical necessity than the one that independent practicing physicians use.
Hall
Mark A
MA
Department of Public Health Sciences, Wake Forest University School of Medicine, Winston-Salem, North Carolina 27157-1063, USA. mhall@wfubmc.edu
D050110:Bariatric Surgery; D003659:Decision Making, Organizational; D004608:Eligibility Determination; D033161:Government Regulation; D006301:Health Services Needs and Demand; D006801:Humans; D007343:Insurance Carriers; D007345:Insurance Claim Review; D007348:Insurance, Health / Q000331:legislation & jurisprudence*; D007407:Interviews as Topic; D008329:Managed Care Programs / Q000331:legislation & jurisprudence*; D009767:Obesity, Morbid / Q000601:surgery*; D028701:Patient Rights / Q000331:legislation & jurisprudence*; D014481:United States; D019564:Unnecessary Procedures / Q000191:economics