How to Pay for Bariatric Surgery

Does Insurance Cover Bariatric Surgery?

After the decision has been made to explore weight loss surgery, the next question we are commonly asked is, “Does insurance cover Bariatric Surgery?” If cash payment is not an option, the good news is that insurance will often cover various types of weight loss procedures.

What will insurance require for bariatric benefits?

First and foremost, remember that insurance coverage is determined by the policy, not the provider. Before attempting to decipher a policy, a good rule of thumb is to contact the insurance provider, identify the policy, then find out exactly where the policy stands on deductibles and coinsurance.

Most large insurance providers will want to know:

Next Steps

After these items have been checked off the list, The Bariatric Experts sends a pre-authorization letter to the insurance company. The letter will describe the medical history of the patient pertaining to weight, and also outline the necessary requirements which have been completed to obtain approval. It is important to keep copies of all correspondence, forms, emails, and letters to and from the insurance company.

If the insurance company denies coverage, there is still the option of submitting an appeal to cover as much of the weight loss procedure as possible.

What are other options to pay for weight loss surgery?

If insurance is not an option, cash pay is not possible, or if coverage is denied, there are other financing plans available. It’s also important to note the financial savings patients experience, such as reduced medical and prescription costs and less money spent on food.

Call our Patient Care Managers at 940-577-2090 for information on which funding options may be accessible to you, if your insurance will cover your procedure, and what the drawbacks may be in paying for the procedure out of pocket or through an independent finance company. We’re here for you every step of the way to better health! 

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