Will insurance cover weight loss surgery?

Different insurance companies and policies cover different procedures, but in general, most insurance companies will at least partially cover the major bariatric surgeries: gastric bypass, gastric sleeve, and gastric band.

How much is weight loss surgery with insurance?

The average cost of gastric bypass surgery is $23,000, the average cost of lap band is $14,500, and the average cost of sleeve gastrectomy surgery is $14,900. So before getting too involved, spend time determining if your insurance will cover weight loss surgery.

What insurance company covers weight loss surgery?

Many PPO insurance providers are now providing coverage for Gastric Sleeve, Gastric Bypass, Distal Bypass and Lap-Band Removal. Aetna, Anthem Blue Cross Blue Shield, Cigna, Oscar, Tricare and United Health Care typically cover weight loss procedures.

Does insurance cover bariatric surgery if medically necessary?

Although you may meet standard and widely-accepted criteria for medical necessity, your insurance is not required to cover bariatric surgery. If weight loss surgery services are listed as an exclusion, your insurance will not consider you for coverage, irrespective of your BMI and comorbid conditions.

How long does bariatric surgery take insurance?

It can take two to four weeks for the insurance company to respond with a decision.

Does Unitedhealthcare pay for bariatric surgery?

United Healthcare’s Criteria For Weight Loss Surgery Coverage. While many United Healthcare Summary Plan Descriptions and Certificates of Coverage explicitly exclude coverage for weight loss surgery, many plans do cover surgery.

How Long Does United Healthcare take to approve bariatric surgery?

This process takes approximately 30 days. After your insurance has authorized the surgery, you will then undergo a pre-operative education class to educate and remind you on than necessary nutritional and behavior that you should adopt, before and after the surgery.

How can I get my insurance to pay for weight loss surgery?

Most major insurance companies will require: Proof that surgery or medical intervention is medically necessary. Your surgeon can help provide your medical history and documentation of your weight-related health problems.

Does insurance pay for bariatric surgery?

“In the vast majority of cases, insurance covers bariatric surgery. Contact your insurance carrier to determine if elective bariatric surgery is a covered benefit through your plan,” he said.

Why was Bariatric Surgery denied?

But why might a patient not qualify for bariatric surgery? BMI: First and most obviously, they simply may not have a BMI that is high enough. A BMI of 35 or more with one or more obesity related conditions or BMI of 40 or greater regardless of obesity related conditions is required to have surgery.

What if your insurance doesn’t cover bariatric surgery?

If your insurance does not provide coverage for bariatric surgery, there are other options available to you. Depending on plan language, consultations, nutritional counseling and pre- and post-operative tests, labs and follow-up visits may be covered, although surgery is not.

Health insurance that covers weight loss surgery?

Many PPO insurance providers are now providing coverage for Gastric Sleeve, Gastric Bypass, Distal Bypass and Lap-Band Removal. Aetna, Anthem Blue Cross Blue Shield, Cigna, Oscar, Tricare and United Health Care typically cover weight loss procedures.

Does Obamacare cover weight loss surgery?

If you have a lot of weight to lose, your doctor may suggest medication or surgery. The Affordable Care Act does not require health plans, including those purchased through the Marketplace, to cover this, but some do.

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