Getting a Food Guru
A dietitian's advice can free you from prescription meds.
When Susan Bilyeu was diagnosed with diabetes three years ago, her doctor?s advice seemed more like an ultimatum: Lose weight and change your eating habits or take blood sugar-lowering medication for life. Since she didn?t want to take the drugs, Bilyeu, who was 43 at the time, decided that it was time to overhaul her diet and shed some pounds. That, of course, is easier said than done. So Bilyeu decided to sign up with a personal nutrition coach -- a dietitian -- who would help her get her eating habits back on track.
Cost and Effect
|How to Get Insurance Coverage for Dietary Counseling |
|First, the irony: While most health insurance policies cover the costs of surgery and other treatments for chronic diseases, many companies won't pay for the nutrition counseling that could help prevent the need for such costly interventions in the first place.
Now, the good news: More and more insurers are recognizing the value of one-on-one advice from a registered dietitian. If your doctor has recommended that you see a dietitian and your insurance won't cover it, here's what you can do:
- File a claim anyway. If your insurer says your policy doesn't cover dietary counseling, send in the paperwork and see what happens. Include your physician's "prescription" -- the doctor's written referral to a dietitian. If the counseling is your idea, ask your doctor for a referral. Also include a letter, signed by both your dietitian and your doctor, detailing the medical need for your treatment.
- Don't talk with the claims adjuster. These people typically look only at existing guidelines to decide what is or isn't covered. Instead, "ask your dietitian to talk to the medical director of the health plan," to consider covering nutritional counseling, says Michele Mathieu, Director of Health Care Financing at the American Dietetic Association.
- Talk the talk. In letters or conversations, refer to dietitian visits as "medical nutrition therapy" or nutrition "management" or "treatment." "Insurers might not view 'nutrition education' or 'counseling' as medically necessary services," says Mathieu. By transforming these into medical "interventions" they may appear to be more necessary.
- Emphasize the bottom line. Be sure to have your doctor and dietitian spell out the progress you are making and how much money is being saved as a result. If you've lost 20 pounds and cut the dose of drugs needed to keep your blood pressure in check, say so. Add up exactly how much that means in saved costs, and keep good records. Some companies "are demanding to see outcomes of dietitian visits" before they'll start covering them, says Mathieu. They might start authorizing them "if progress is being made."
- Keep trying. Even if your claims are rejected, keep submitting new ones each time you see a dietitian, particularly if you are getting better. "Don't ever give up," Mathieu says, because if you are persistent about getting coverage, more often than not "it will happen." At the very least, each claim you file educates the insurer about the value of nutrition therapy and casts a vote in favor of covering it.