Weight Loss Surgery Insurance

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Weight loss surgery is one of the most popular options for persons who are plagued by being severely overweight. Moreover, it is recommended for persons who have a BMI greater than 40 as they are at a higher risk of suffering from serious illnesses such as heart disease and diabetes. As with most surgeries, the main factors that you will have to take into account is the cost of the procedure and the risks involved.

The average weight loss surgery procedure costs anywhere between $18000 to $22000. The difference in costs is largely attributed to the larger overhead associated with more densely populated areas like urban areas where there is a higher demand for weight loss services and as such surgeon fees tend to be higher so as to accommodate the larger overhead.

The general cost includes surgeon fees, hospital care as well as anesthesia. However, additional costs such as nutritional diets, fitness plans as well as nutritional supplements are not included in this general cost. Services such as body contouring as well as cosmetic procedures such as abdominoplasty and liposuction are also not part of the general cost of the surgery.

With most weight loss surgery insurance plans, general costs will normally be covered by your insurance provider. However, you will have to cover the costs for additional services and post-operative care from your own pocket. The first step that you should take when considering weight loss surgery is talking to your insurance agent so as to know whether your insurance plan also includes weight loss surgery.

These days, it is common to find some insurers offering to foot the whole insurance bill. However, many companies will pay only 80% of the bill as this is considered the “customary and usual” for weight loss surgery.

One of the most asked questions relating to weight loss surgery is whether or not weight loss surgery insurance applies to Medicare and Medicaid coverage plans. While weight loss surgery is covered by most Medicare and Medicaid plans, you will have to know which specific services are covered under your weight loss surgery insurance plan. As such, you will have to understand the basic costs of the surgery, as well as the additional costs that may come up due to post-operative procedures such as body contouring services.

There are three types of weight loss surgeries covered under the average weight loss surgery insurance plan. These are the Roux-en-Y Bypass procedure, laparoscopic gastric binding procedure and the open biliopancreatic division procedure. However, to qualify under the Medicare insurance plan, one will have to first participate in a six month weight loss program that is medically supervised as well as having a BMI of over 35 before they offer coverage for the surgery.