Weight loss surgery is considered an effective treatment of morbid obesity. While most of the Blue Cross insurance policies do cover weight loss surgery, not all of them do. Those that do cover the procedure have similar requirements to those of Blue Cross Blue Shield of Michigan. It is important that you meet these criteria in order to benefit from coverage of the insurance company for the entire process.
Your Blue Cross insurance policy covers weight loss surgery unless it states specifically that it excludes it. In order to be pre-approved for the procedure you must meet the following requirements:
The weight loss procedures that Blue Cross covers include.
While Blue Cross does cover most of the weight loss procedures there are a few that they do not. These include:
While you go into the weight loss surgery with high hopes and expectations that it will be a success, there is always a possibility that it will not be as successful as you had hoped. If this is the case and you find a second surgery or procedure is needed, you might find that Blue Cross Blue Shield does provide coverage for a second surgery as long as you followed post-operative instructions and made life changes for success as well as turned to the bariatric surgeon and other sources for additional help. Blue Cross Blue Shield does cover a revision surgery if it is needed. They do require that certain documentation is provided by the physician including:
Blue Cross Blue Shield does not require that you seek surgery with an in-network surgeon. They do recommend that you utilize their in-network surgeons, however, in order to take advantage of their Center of Excellence. You can obtain a list of these professionals from your Blue Cross Blue Shield agent if you would like to consider these individuals for your surgery. Make sure that the individual that you do choose to work with is able to submit directly to Blue Cross Blue Shield for coverage of your procedure.