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Bariatric Surgery Insurance Information

Getting insurance approval for weight loss surgery can be a long frustrating process. The following information will be useful in helping you to get approved for your surgery.

  • Call your insurance company and find out if they will pay for weight loss surgery and the follow up care for your procedure.
  • Ask for the criteria that the company requires to approve/qualify a person for surgery. Most companies require a BMI of 40 or greater or 100 lbs. over ideal body weight, or a BMI of 35 or greater with associated risk factors such as diabetes, sleep apnea, high blood pressure, and other health problems related to obesity.
  • The company may also require previous documented weight loss attempts, a psychological evaluation, and a meeting with a dietician. Be sure to gather all required information before your visit to the surgeon.
  • After your surgeon submits all of your information to the insurance company for surgery approval, be your own best advocate. If you haven’t heard back from insurance about your approval call the insurance company.

You do have options for weight loss surgery if insurance will not cover it. There is a self pay arrangement that you can make through the hospital. You can apply for financing through Capital One or Care Credit. Both of these companies will finance lap band and gastric bypass operations.