Making Weight Loss Surgery Affordable

Have you delayed the idea of weight loss surgery because you’re worried about the cost? The good news is that insurance may cover more than you think. While navigating the world of deductibles and copays can seem complicated, our easy-to-follow steps can be a helpful tool.

Here’s how to make weight loss surgery affordable with—and without—insurance.

Step One

Find out if you are covered for weight loss procedures under your insurance policies.
Look for policy information on the company’s website or ask your human resources department for details. Many employers cover weight loss surgery in their insurance plans.

Step Two

Your weight loss surgery program can help with insurance pre-authorization by sending information about your health showing that your surgery is medically necessary.
For example, if you have a condition that’s caused or worsened by obesity, such as diabetes or heart disease, billing codes for those conditions (or others that apply) will be included in the application.

Step Three

Get approval.
Your responsibility will be to understand your insurance benefits, copays and deductible information. Your surgery program can help with the approval process.

Step Four

If you can’t get insurance coverage for your procedure, you still have options.
Many weight loss surgery programs offer a cash pay rate. Financing options, such as a flexible payment plan, can also make your procedure affordable.

So now that you have a good understanding of how to cover the cost of weight loss surgery, why weight?

Weight loss surgery is generally designed for those with a body mass index (BMI) equal to or greater than 40, or equal to or greater than 35 with serious co-morbidities. Laparoscopic adjustable gastric banding with the Lap Band® is also FDA-approved for weight loss surgery in people with a BMI of 30 to 35 who have at least one obesity-related condition. Weight loss surgery is considered safe, but like many types of surgery, it does have risks. Consult with your physician about the risks and benefits of weight loss surgery.

BMI Calculator

Body mass index (BMI) is a measure of body fat based on height and weight that applies to adult men and women.Enter the following information and calculate your BMI.

Your results:

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Being underweight may weaken your immune system and increase the risk of malnutriation and osteoporosis.
Maintaining a healthy weight reduces the risk of serious health conditions such as high blood pressure, heart disease, stroke and diabetes.
Some of the benefits of achieving a healthy weight include decreased risk of heart disease, stroke and diabetes, increased energy and improved self - esteem.
Some of the benefits of achieving a healthy weight include decreased risk of heart disease, stroke and diabetes, increased energy and improved self - esteem.

Underweight

Less than 18.5

Normal

18.5 to 24.9

Overweight

25 to 29.9

Obese

30 or greater

  • Note: Results of the BMI calculator are based on averages.
  • Privacy Assurance: Information that you enter will not be saved or sent to any website.
  • Source: National Heart, Lung, and Blood Institute; National Institutes of Health; U.S.Department of Health and Human Services.

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Making Weight Loss Surgery Affordable

Have you delayed the idea of weight loss surgery because you’re worried about the cost? The good news is that insurance may cover more than you think. While navigating the world of deductibles and copays can seem complicated, our easy-to-follow steps can be a helpful tool.

Here’s how to make weight loss surgery affordable with—and without—insurance.

Step One

Find out if you are covered for weight loss procedures under your insurance policies.
Look for policy information on the company’s website or ask your human resources department for details. Many employers cover weight loss surgery in their insurance plans.

Step Two

Your weight loss surgery program can help with insurance pre-authorization by sending information about your health showing that your surgery is medically necessary.
For example, if you have a condition that’s caused or worsened by obesity, such as diabetes or heart disease, billing codes for those conditions (or others that apply) will be included in the application.

Step Three

Get approval.
Your responsibility will be to understand your insurance benefits, copays and deductible information. Your surgery program can help with the approval process.

Step Four

If you can’t get insurance coverage for your procedure, you still have options.
Many weight loss surgery programs offer a cash pay rate. Financing options, such as a flexible payment plan, can also make your procedure affordable.

So now that you have a good understanding of how to cover the cost of weight loss surgery, why weight?

Weight loss surgery is generally designed for those with a body mass index (BMI) equal to or greater than 40, or equal to or greater than 35 with serious co-morbidities. Laparoscopic adjustable gastric banding with the Lap Band® is also FDA-approved for weight loss surgery in people with a BMI of 30 to 35 who have at least one obesity-related condition. Weight loss surgery is considered safe, but like many types of surgery, it does have risks. Consult with your physician about the risks and benefits of weight loss surgery.