Bariatric Surgery

Learn about bariatric surgery costs and financing options

Finance Information

One of the biggest concerns when considering bariatric surgery is financing the procedure. Common questions include the costs involved, insurance coverage, and how to convince your insurance provider to cover the weight-loss surgery.

Expand All


Today, many major health insurance carriers and companies recognize the long-term benefits of weight-loss surgery for clinically severe obesity, but others still do not. Review your policy, and call your insurance carrier to see if benefits for weight-loss surgery are provided in your policy. At this time, there are no standard coverage policies in the insurance industry for weight-loss surgery. Each policy has its own criteria for coverage.

Some common insurance requirements:

  • Body mass index (BMI) of 40 or 35 with health-related conditions
  • Recommendation for surgery from your primary care physician
  • Psychological evaluation from a licensed psychologist or psychiatrist
  • Nutritional evaluation from a licensed dietitian or nutritionist
  • Medical supervision by a physician for 3 to 6 months prior to surgery with preparation that includes diet, exercise, and nutrition counseling
  • All previous and current medical records associated with obesity related conditions
  • Records showing diet-attempt history including diet programs, journals, or physician-directed diet clinical notes. Some insurance companies require medically documented weight loss records before approving the surgery. Additional medical records and/or tests prior to surgery approval

Ask your healthcare provider about your insurance requirements for authorization.

Are You Covered?

Potential Out-of-Pocket Costs

Information on this site should not be used as a substitute for talking with your doctor. Always talk with your doctor about diagnosis and treatment information.