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The Big Fat Truth

Is Obesity a Disease?

By Carma Haley Shoemaker

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Insurance Companies
Many people in the community either suffer from or know someone who suffers from obesity. As it affects so many, the American Obesity Association reports that the general opinion of the public is that insurance companies should consider obesity a disease and treat it accordingly.

"It is so much cheaper to cover obesity treatments than it is to treat the myriad of ailments it can cause," says Mary E. Tyler, a freelance writer from Newport News, Va. "Penny wise, pound foolish."

The Big Fat Truth-Is Obesity a Disease?But some say no.

There are just as many differing insurance plans as there are providers. Just type in "insurance" in any Internet search engine and approximately 500 matches will be found. Companies are usually responsible for finding and implementing their own insurance plans based on what is available to them, the majority of which do not consider or cover obesity as a disease.

For example, a typical employer insurance plan could be similar to that of Wal-Mart. Benefits listed in Wal-Mart's employee benefits booklet (Wal-Mart Employee Benefits Manual, 2000) as "not payable for treatment or services" include charges from medications and diet supplements which result from diet programs, appetite control, weight control and treatment of obesity or morbid obesity, including gastric bypasses and stapling procedures, even if the participant has other health conditions which might be helped by the reduction of weight.


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