Weight Loss Surgery Insurance and Financing
The first step you must take after deciding to move forward with your weight loss (bariatric) surgery journey is to contact your insurance company. Many insurance companies require that patients be able to demonstrate that he or she has attempted less invasive methods to lose weight. Every insurance provider has its own guidelines regarding weight loss history and these guidelines are constantly changing. Call your insurance company today and ask them to send you their written policy on weight loss (bariatric) surgery. Your specific policy will assist you in answering a number of important questions, which will include:
Does your plan cover weight loss (bariatric) surgery for Morbid Obesity?
What types of weight loss (bariatric) surgery does your plan cover?
-Adjustable gastric band
-Revision bariatric surgery
What criteria must be met in order to be approved?
-Weight or BMI requirement
-Documented weight loss history
-Letter of Medical Necessity
-Clearances (psychological, pulmonary, cardiac)
If your health plan requires prior authorization for any consultation or procedure listed, you must have your primary care physician request for authorization.
Bariatric surgery is designed for those with a body mass index equal to or greater than 40, or equal to or greater than 35 with serious co-morbidities.