Let me explain with my current situation. I am 22 F and I currently weigh 305lbs.

I am obese. Morbidly obese.

Even though I have been trying for 5 years at this point to lose the weight on my own. Eat healthier, eat more fruits and veggies, cut out excess sugar, walk more, exercise more, the whole kit and caboodle.

But I still am not losing the weight. I am still very fat. And I am worried that it will cause very serious health problems.

So I talked with my doctor and she told me “We need to get you on a weight loss medication. Let’s try Ozempic”.

But my insurance told us that they don’t think I need the Ozempic so they won’t pay for it.

So we tried Wegovy and Mounjaro. But my insurance still rejected our requests.

They’re saying because I am young, and I am a diabetic with good numbers, I dont need the weight loss meds and I can just lose the weight naturally.

But ive been trying to and it hasn’t been working. So that’s why my doctor prescribed me the weight loss med.

Why is this allowed? Why is it that your insurance can deny you a medication, even if your doctor says you need it?

  • Bristlecone@lemmy.world
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    39 minutes ago

    Nurse here. Because in America our healthcare priorities are FUCKED that way. Getting worse every year too

  • jtrek@startrek.website
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    4 hours ago

    The insurance companies want to make money.

    There are no (enforced) laws prohibiting this behavior.

    Very few insurance company decision makers are murdered in the street.

    Change one or more of these, and you’ll get better results.

  • whotookkarl@lemmy.dbzer0.com
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    5 hours ago

    The insurance company is going to have a doctor who said you don’t need it. They will try to hide who that doctor is, specifically what their NPI is, which can be used to personally identify the doctor who made the medical judgement against your doctor’s without having to provide further explanation than they’ve already given. Depending where you are they may have to provide more information when directly asked for specific evidences, or will suddenly change their rejection on the claim with a letter from an attorney asking for specific details in writing. They know hiring an attorney is expensive and bank on people not advocating for their rights & people with severe medical issues not being able to afford to.

    a list of things to request from your insurer that may cause them to charge their determination

    And lastly a video of a surgeon being denied the NPI of the insurance’s doctors who are likely breaking the law hiding behind the idea that insurance doctors are so hated they need to hide their identity even from other doctors to prevent reprisal. She was blacklisted from United claims for this video and others like it.

    https://youtu.be/AZhCYisIQB8

    • AmbitiousProcess (they/them)@piefed.social
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      33 minutes ago

      The insurance company is going to have a doctor who said you don’t need it.

      To add on to this, my psychologist told me that he’s had antipsychotic meds denied by a urologist before, because the insurance companies often don’t actually care what field the doctor is in. All they care about is getting to say “a doctor” reviewed it.

  • obelisk_complex@piefed.ca
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    5 hours ago

    Oh, I know the answer to this one. It’s because we don’t have single-payer healthcare, which Republicans don’t want because they don’t want bureaucratic death panels of disconnected doctors denying people access to medication.

    They’d much prefer to have bureaucratic death panels entirely disconnected from any medical expertise denying people access to their medication and for spurious reasons.

  • actionjbone@sh.itjust.works
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    6 hours ago

    It’s quite simple:

    They are money-grubbing assholes in an unregulated industry. Their goal is to make as much money as possible while hurting as many people as possible. Because if they hurt people, they can take their money and provide no service.

    It’s legal because the government won’t make it illegal.

  • stephen@lazysoci.al
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    6 hours ago

    Monied interests have crafted a legal system that benefits them, not you.

    I hate that this is happening to you.

    Darknet Markets are booming with semaglutides because of capitalism’s greed.

  • DavidDoesLemmy@aussie.zone
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    2 hours ago

    I’m sure you think the whole world revolves around you, but without giving your country, how can anyone answer this?

    I’ll assume you’re in the UK, and suggest you use the NHS.

  • gilokee@lemmy.world
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    2 hours ago

    This sucks, and I’m sorry, but you missed one crucial thing.

    Eat healthier, eat more fruits and veggies, cut out excess sugar, walk more, exercise more

    Have you tried eating less? Fruits and veggies give you good nutrition, working out builds muscle, but the only thing you can do to actually lose weight is to eat less.

  • Rhynoplaz@lemmy.world
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    6 hours ago

    My wife was prescribed one of those for her diabetes, and the insurance company STILL wouldn’t cover a dime. She was able to find a coupon for a three month supply for $350.

    • KuromiGirl04@lemmy.worldOP
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      6 hours ago

      And see, that’s what my problem was

      Yes, I am technically a type-2 diabetic, but i am a diabetic with good numbers, so my insurance is saying "oh we wont pay for those meds. You don’t need it."🙄😒

      • Jack_Burton@lemmy.ca
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        4 hours ago

        Unfortunately, the answer is to move to a country that’s not a shit hole and has universal healthcare. The next best is to do what you can to survive while you try to convince people to vote with you for a gov’t that will give you universal healthcare.

        Right now? I can’t imagine what you’re going through and I really am sorry I can’t help directly. Your system is broken. Your gov’t has failed you. I really, truly and honestly, wish you the best and hope you find the help you need.

  • Fubarberry@sopuli.xyz
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    6 hours ago

    You can get wegovy 28-day of the auto injectors through Amazon pharmacy for $200 a month without insurance. It still requires a prescription, but it sounds like you have that.

    Obviously it would be better if your insurance would cover it, but $200 a month is better than the $600 a month some people are paying for ozempic/etc.

    When signing up for insurance, you’ll want to check their approved medications. My wife was prescribed mounjaro for her diabetes, but most of the insurance plans we looked at didn’t have it listed as one of their approved medicines. It was one of the largest factors in deciding which insurance we needed to go with.

  • gukleszl4hs48ughgxhr5xgd@fedia.io
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    4 hours ago

    Eat healthier, eat more fruits and veggies, cut out excess sugar, walk more, exercise more, the whole kit and caboodle.

    Not to say you should be denied prescription coverage, but that is not the whole kit and caboodle. Weight loss results from consuming less calories; specifically, less than you are burning. You can lose weight on a completely unhealthy diet and without any extra effort to exercise.

    • gilokee@lemmy.world
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      2 hours ago

      Yep, this. I’m like 130 lbs and I literally sit around all day and I eat garbage. But just a little garbage.

      • Little8Lost@lemmy.world
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        1 hour ago

        Sadly there are some people i know who gain enough to look unhealthy if they dont eat a strict healthy vegan diet. And its easily to see in some cases. A friend of mine was very annoyed when she only got compliments after such rigorous effort. At that time her unhealtiest snack was dried strawberries.

        On the other spectrum is me who cant gain any weight how matter what and how much i eat (cant even donate blood ;.;)

        Bodies are VERY different and there are extremes where only meds can help and i think OP is one of them

        • gilokee@lemmy.world
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          1 hour ago

          True, and it could be easier for them to keep weight on, but CICO is a very basic science and will work if one keeps to it.