Bariatric surgeries are effective at helping obese patients who haven’t otherwise been able to lose weight find a medical solution that is proven effective at supporting weight loss. For many, it is a lifesaving procedure, but due to their high costs, most patients need their health insurance carrier to help them pay for the surgery.
Every insurance provider is different. You’ll need to check with your insurance provider to see if your policy covers bariatric surgeries. Most will cover these four types of weight loss surgery for select patients that have approval from their doctor:
However, it is important to note that not everyone’s policy covers bariatric surgery. You have to check your individual policy. Large organizations often work directly with health insurance agencies to decide what to offer their workers, and not all will opt to provide weight loss surgery coverage.
Some states may also require that health insurance companies cover bariatric surgery. These states can be found here, and include Arizona, California, and Illinois. However, it should be noted that complementary treatments may not be included. For example, some states that are required to offer bariatric surgery are not required to pay for the costs of anesthesia, or for the hospital stay.
With most insurance companies, minors may be considered, but further conditions apply.
In some states, Medicaid covers bariatric surgery. Medicare will cover it in all states, but the patient must meet the following requirements:
Documentation is often the most difficult part. But if a patient meets these requirements, Medicare will cover gastric bypass, Lap band, duodenal switch, and gastric sleeve surgery
Each insurance company has multiple policy types, so while an insurer may cover weight loss surgery, it’s also possible that you, specifically, may not have that coverage. Make sure you check with your specific insurance representative to determine if it is covered by your policy.