If you are considering weight loss surgery, it is important to understand your insurance requirements. Most insurance companies will cover weight loss surgery if you meet certain criteria. The most common criteria include:
BMI Common Criteria:
- A BMI of 40 or greater, or a BMI of 35 or greater with a co-morbid condition such as high blood pressure, cardiovascular disease, diabetes, or sleep apnea.
- Documentation of participation in a medically supervised weight loss program for at least 3-6 months.
- A letter from your primary care physician recommending surgery.
- A consult and recommendation for a surgeon from a bariatric surgeon.
- Non-smoking for at least 8 weeks prior to surgery.
Some insurance companies may have additional requirements, such as a longer medically supervised weight loss program or a psychological evaluation. It is important to check with your insurance company to see what their specific requirements are.
Private Pay:
If you are not able to get your weight loss surgery covered by insurance, you may be able to pay for it out of pocket. This is known as private pay. Private pay patients may not have to meet the same criteria as insurance patients. For example, they may not have to have a co-morbid condition or participate in a medically supervised weight loss program.
How to Get Started:
If you are interested in weight loss surgery, the first step is to talk to your primary care physician. They can help you determine if you meet the criteria for surgery and can refer you to a bariatric surgeon for a consultation.
The bariatric surgeon will evaluate your medical history and perform a physical exam. They will also discuss your goals for surgery and the risks and benefits of the different types of weight loss surgery.
If you decide to proceed with surgery, your bariatric surgeon will work with you to get your insurance approved. They will also provide you with pre-surgical instructions and support.
Weight loss surgery can be a life-changing experience. It can help you lose weight, improve your health, and boost your self-confidence. If you are considering weight loss surgery, it is important to do your research and understand your insurance requirements.
