Making Weight Loss Surgery Affordable

Steps for 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.

How to Know if You’re Ready for Surgery

See questions to ask your doctor that may help inform your decision about weight loss surgery.
[link to questions for doctor]

Know What to Expect

Prepare in advance and understand the journey of weight loss surgery.
[link to Prepare for Weight Loss Surgery page]

Beginning a New Life

Learn how to sustain weight loss after surgery, building new relationships with food and activity.
[link to Maintaining Weight Loss page]

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