Will my insurance cover weight loss surgery?

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Insurance coverage for weight loss surgery will depend largely on your body mass index (BMI). In this video, John Bagnato, MD, of Coliseum Medical Centers, explains how insurance determines eligibility.
Sigi P. Joseph, MD
Bariatric Medicine
Whether or not weight loss surgery is a covered benefit depends on your specific health insurance plan. If bariatric surgery is a covered benefit, most insurances companies approve the surgery if you have:
  • a body mass index (BMI) of more than 35 and obesity-related medical problems
  • a BMI of more than 40 without any obesity-related medical problems
 Medicare covers most bariatric surgery procedures.
 
Most insurances cover weight loss (bariatric) surgery with some exceptions. Each insurance company has its own set of criteria that you must meet to qualify for weight loss surgery. If your employer has opted out of bariatric surgery it may not be covered. It is important to review health insurance plans carefully before choosing one so you don't select one that has opted out of coverage.
Most national insurance companies do cover weight loss surgery, says Francis Teng, MD, a bariatric surgeon at MountainView Hospital. In this video, he adds that they have many requirements before covering the procedure.

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.