Bariatric Surgery Insurance: How to Pay for Weight Loss Surgery

You don't consider bariatric surgery unless you've exhausted your weight loss options. And by that time, you're exhausted in many ways. You've likely tried many different diets and all sorts of exercise programs.

This can leave you feeling discouraged, but reviewing the benefits of bariatric surgery can give you hope. You see the low mortality rate and the up to 89% reduction in mortality, and you think, "Hey, maybe this can work for me."

The last thing you want is a new form of discouragement that comes from dealing with insurance companies. There must be ways to figure out if bariatric surgery insurance is part of your existing insurance policy without driving yourself mad.

Fortunately, there are great resources to help you discover your eligibility for this often life-saving surgery. We've gathered some of them below. Check them out to start clarifying this process for yourself.

What Do You Need To be Covered?

The first step to determining your bariatric surgery insurance eligibility is to consult with your doctor to figure out which procedures you need covering.

Is it gastric bypass surgery? Adjustable gastric banding? A sleeve gastrectomy? There are many possibilities.

Once you know the procedure you're checking on, you should also consider asking your insurance provider about the following.

  • Criteria you need to meet before procedures can be approved for coverage

  • Whether or not post-surgery Lap Band fills are covered

  • Links to detailed policy information regarding the coverage of morbid obesity surgery

  • Any next steps to bridge from where you are currently to obtaining a bariatric surgery

Possible Hurdles

When it comes to states where insurance obtained through the Affordable Care Act, commonly known as Obamacare, usually covers weight loss surgery, Ohio is not on the list.

That doesn't mean you're out of luck. It may just mean you need to do a little extra legwork.

First, if you have insurance through a job or spouse, you may already be in the clear.

If you don't, your best-bet next steps should be to consider a payment plan with your provider or a loan. There are several different types of loans that can cover bariatric surgery. Here is a short list.

  • A medical loan, secured or unsecured

  • Retirement plan loan

  • Life insurance policy loan

  • A personal loan from family or friends

The Good News Regarding Bariatric Surgery Insurance

While ACA insurance may be less than helpful when it comes to bariatric surgery, most other insurance plans do have some sort of coverage for these procedures.

There are many helpful resources to help you navigate these policies, including Bariatric Surgery Source's database of national insurance companies and the coverage they offer.

Whatever You Do, Come Prepared

We know finding bariatric surgery insurance can be difficult in Columbus, Ohio, especially because of the limitations of insurance policies obtained through the Affordable Care Act. But it's not impossible, and we hope we've armed you with the information you need to proceed with your exploration of the weight loss treatment that is right for you.

If your provider does not check your insurance policy's benefits automatically, you can prepare your claim yourself. To do that, you need information, and that's where what you have learned here will benefit you.

If you have questions about the bariatric surgeries we provide, we'd love to hear from you.