Weight Loss Surgery Insurance Coverage in Dallas-Fort Worth & Frisco, TX
At The Bariatric Experts, we believe that cost should never stand between you and life-changing care. Whether you have insurance, prefer to self-pay, or need financing, our team will work with you to find the right path forward. We serve patients from DFW, Frisco, and Denton, Texas, as well as out-of-state patients traveling from Oklahoma, including the Lawton, Norman, and Oklahoma City metro areas. This page walks you through your options so you can make the decision that’s right for your health and your budget.
Meet Your Surgeon
Dr. Scott Stowers, DO, performs gastric sleeve surgery and works closely with each patient to build sustainable, healthy habits before and after the procedure. His approach goes beyond the operating room — he coaches you through the lifestyle changes that make the difference in your long-term results.
Patients travel from across Texas and Oklahoma to work with Dr. Stowers because of his experience, his outcomes, and the level of personal attention The Bariatric Experts team provides at every step.
Is Weight Loss Surgery Covered by Insurance?
Many major insurance plans do cover bariatric surgery, and our team makes it easy to find out where you stand. We accept most major insurance carriers, including Blue Cross Blue Shield, United Healthcare, Cigna, Aetna, Scott & White, and United Medical Resources.
Coverage varies by plan and policy. Some patients have minimal out-of-pocket costs, while others face more significant cost-sharing depending on their deductible and benefits. The fastest way to know what your insurance will cover is to request a free insurance check from our team. We verify your benefits at no cost to you and give you a clear picture of what to expect before you commit to anything.
Preparing for Insurance Approval
Once we have verified your benefits and confirmed coverage, we will submit your case to your insurance carrier. Every carrier is different, and we ask that you allow a minimum of 15 business days for a response. We will contact you as soon as we hear back, and you are always welcome to follow up directly with your carrier in the meantime.
To get ahead of the process, start gathering the following now:
Medical documentation of a five-year weight history, documentation of diet medications prescribed, records of medically supervised diet programs, records of commercial weight loss programs such as Weight Watchers or Noom, and records of any formal exercise programs.
If you have questions about the approval process, call our financial specialist directly at 940-283-7023.
Comparison of Weight Loss Options
Policy Dependant
Policy Dependant
No
$10,950 – $12,220
$16,950
$500/month
$10,950 – $12,220
$16,950
$210,000*
Up to 70% of excess weight
Up to 80% of excess weight
10-20% of excess weight1
Moderate to fast
Fast
Slow to moderate
Low
Low
Moderate
- Decreased hunger
- Long-term weight loss
- Improvement of Type 2 diabetes and other conditions
- Decreased hunger
- Long-term weight loss
- Improvement of Type 2 diabetes and other conditions
- Non-invasive
- Jump-start weight loss before surgery
Not reversible
- Not reversible
- Potential for malnutrition
- Must continue to maintain weight loss
- Potential for Long-term side effects
- Potential for abuse, dependence, and withdrawal
*Calculation based on the average age of 40 for weight loss surgery patients and a life expectancy of 75.
1 Harvard Medical School. Understanding new weight loss drugs. Available: https://www.health.harvard.edu/staying-healthy/understanding-new-weight-loss-drugs#. Accessed April 8, 2024.
Self-Pay Weight Loss Surgery
We proudly offer a self-pay option for the highly effective gastric sleeve and gastric bypass weight loss procedures. Choosing the self-pay route can provide our patients in Frisco, DFW, and Denton, Texas, with convenience, affordability, and the freedom to take control of their health and well-being. With this option, we aim to make your path to a healthier, happier life more accessible and within reach.
What Is Self-Pay?
The cash-pay option is the “fast track” and will get you to surgery quicker and without insurance loopholes. The Bariatric Experts team works to keep our cash price one of the lowest in the country. As a self-pay patient, you will receive a total cost upfront after your initial consultation with no hidden fees or surprises!
All-Inclusive Self-Pay Package
For Gastric Sleeve
$10,950
as low as
$288/mo
with financing*
What Is Included In The $10,950 Self-Pay Price?
- Facility
- Anesthesia
- The Best Surgeon!
- Lifetime nutrition support
- Extensive Pre-Op Education & Comprehensive Patient Manual
- FMLA Paperwork
- Dedicated Patient Advocate
- InBody Body Composition Scans
- Metabolic Optimization Evaluations
- 1 month of bariatric vitamins
- 1 Year of Follow-Up Appointments and more!
The Bariatric Experts™ team is dedicated to you as an individual and will support you every step of the way!
Is Self-Pay Right for You?
The ideal candidate for our self-pay option for weight loss surgery is someone who:
- Is Highly Motivated: Seeking to improve their health and quality of life.
- Has No Insurance: Those whose insurance provider does not cover weight loss surgery.
- Has Limited Coverage: Does not have insurance coverage for bariatric procedures or is looking for a quicker path to surgery.
- Looking to Avoid Lengthy Insurance Requirements: Patients looking to bypass pre-op obstacles imposed by health insurance plans.
- Prefers Flexibility: Individuals who want to choose their surgeon and schedule surgery at their convenience.
- Seeking Long-Term Weight Loss: Is ready to invest in their long-term health, well-aware of the benefits weight loss surgery can bring.
How Our Self-Pay Prices Compare to Industry Averages
The chart below compares our all-inclusive self-pay pricing to published national industry averages. These figures represent industry benchmarks, not a guarantee of pricing for any individual patient.
National industry averages sourced from www.bariatricsurgery-source.com. Your individual costs may vary. Contact us for a personalized quote.
Explore Our Financing Options
At The Bariatric Experts, we understand that investing in your health is a significant decision, and we want to make it as accessible as possible. That’s why we offer a range of financing options to help you achieve your weight loss goals without the financial stress. Explore our finance partner below:
- Flexible Payment Plans: CareCredit provides flexible financing solutions that allow you to choose the payment plan that suits your budget.
- Low Monthly Payments: Enjoy the convenience of low monthly payments to make your weight loss journey more manageable.
- Quick Approval: CareCredit offers fast approval, so you can focus on your health without delay.
Can I Afford Weight Loss Surgery?
We understand that cost is a significant factor when our patients are considering weight loss surgery. However, when you look at weight loss surgery as a long-term investment in a happier, healthier lifestyle, the value is clear.
Studies show that most people could financially “break even” within 2 to 4 years of their procedure and start saving $11,000 per year after that.
Savings include:
- Reduced medical costs – each year obese individuals spend 42% more on medical expenses than normal weight individuals
- Reduced prescription costs – seriously overweight people spend over $700 a year on out-of-pocket prescription costs
- Less spend on food – it’s estimated an obese person spends $6,100 annually on groceries and dining out
Our patients find that their investment in weight loss surgery is worth every penny to regain their life and their health. Bariatric Surgery can resolve serious health conditions related to obesity and to improve your quality and quantity of life!
It’s not about the weight you lose. It’s about the life you gain!
Insurance & Pricing FAQ
How much does gastric sleeve surgery cost without insurance?
The cost of gastric sleeve surgery without insurance varies depending on the provider, location, and what is included in the package. At The Bariatric Experts, our all-inclusive self-pay price for gastric sleeve starts at $10,950 and covers facility fees, anesthesia, surgeon fees, pre-op education, nutrition support, and one year of follow-up appointments. We encourage you to compare what is actually included when evaluating pricing. Many lower-quoted prices do not include all necessary components of care.
How much does gastric bypass surgery cost without insurance?
Gastric bypass is generally a more complex procedure than gastric sleeve and is priced accordingly starting at $16,950. Contact our team directly for current self-pay pricing on gastric bypass at The Bariatric Experts, and we will walk you through exactly what is included.
What does bariatric surgery cost with insurance?
Your out-of-pocket cost depends on your individual plan, including your deductible, co-insurance, and out-of-pocket maximum. Some patients pay very little. Others face more significant cost-sharing. The best way to understand your specific costs is to request a free insurance check. We will walk you through exactly what to expect before you move forward.
What financing options are available for weight loss surgery?
The Bariatric Experts offer financing through CareCredit, which provides flexible payment plans with low monthly payments and quick approval. Qualified candidates may be able to finance their procedure for as low as $288 per month. Visit the financing section of this page to learn more and apply.
Does insurance cover bariatric surgery in Texas?
Many plans do, but coverage is not guaranteed and varies by carrier and policy. Blue Cross Blue Shield, United Healthcare, Cigna, Aetna, Scott & White, and United Medical Resources are among the carriers we work with. Each plan has its own requirements, and our team can check your individual benefits at no cost. Click below to get started.
What if my insurance has a bariatric exclusion?
Some insurance plans exclude bariatric surgery as a covered benefit. If that’s the case for you, you are not out of options. Our self-pay pricing is among the lowest in the country, and we offer financing through CareCredit to help make surgery accessible. Our team will help you understand all of your options.
How do I know if my insurance covers bariatric surgery?
The simplest first step is to request a free insurance check through our team. We do the legwork, verify your benefits directly, and get back to you with a clear summary of your coverage. From there, you can decide how you’d like to move forward.
What are the requirements to get insurance approval for bariatric surgery?
Most insurance companies require comprehensive documentation before approving bariatric surgery. This typically includes a five-year weight history, records of medically supervised diet programs, documentation of any diet medications prescribed, and records of commercial weight loss programs or exercise programs you have participated in. Our team will guide you through exactly what your carrier requires and help you prepare your case.
Contact Us
Don’t let financial concerns stand in the way of your well-being. Take the first step towards a transformed you with The Bariatric Experts. We understand that our patients from DFW, Frisco, Denton, and patients traveling from Oklahoma including Lawton, Norman, and the Oklahoma City metro and beyond may have questions about covering the cost of weight loss surgery, and we’re here to help. Please contact us to learn more about your options when it comes to paying for weight loss surgery, including self-pay and financing options.
Dr. Scott Stowers has either authored or reviewed the content on this site.
Page Updated: