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.
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.
Ask your healthcare provider about your insurance requirements for authorization.
For some patients, bariatric surgery is covered by your health insurance plan. However, every insurance policy is different, so it is important to know exactly what is and isn’t covered by your plan. Learn about your options and ask the right questions to find out what coverage is available to you.
Potential costs for bariatric surgery range from patient to patient. Much depends on your insurance coverage, the type of surgery performed, the hospital where you have the surgery, the length of your hospital stay, any medical complications, and the area of the country where the surgery is performed. The cost of bariatric surgery can range widely, from $12,000 to $35,000, according to the National Institutes of Health.1
Additional costs you may be responsible for:
Talking to your health insurance provider can help you understand exactly what is and is not covered. Click here for a list of questions to help you navigate this process.
Patients whose health insurance policies do not cover the weight-loss surgery have a few options:
Information on Bariatric Surgery. U.S. News & World Report. Available from: http://health.usnews.com/health-conditions/heart-health/information-on-bariatric-surgery#7.
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.