Skip to Main Content
A male jogger takes steps to live a healthy lifestyle after undergoing weight-loss surgery.

Insurance and payment for bariatric surgery

We know how important bariatric surgery is to you. It can be a matter of life and death. That’s why we do everything in our power to help you qualify for insurance coverage.

Bariatric surgery is covered by most insurance companies. Sometimes it takes evidence and additional documentation to get approval for medical weight loss surgery. We have experienced insurance experts who know how to provide proof that your surgery is a medical necessity.

Insurers need to understand that we’re treating a life-threatening disease. They need to know that you have not chosen bariatric surgery for cosmetic reasons but to reduce or eliminate disease, joint damage, and the negative impact on your life expectancy. By providing the medical facts about your situation, we can present convincing reasons for the necessity of medical weight loss surgery.

Be aware that gastric banding and gastric sleeve surgeries are fairly new procedures and are sometimes not covered by insurance companies. Over time, as long-term data becomes available, we expect more insurance companies to cover these life-changing bariatric surgeries.

Even if you have no insurance coverage, you have options.

In cases where you don’t qualify for insurance coverage, or if your plan has a bariatric surgery exclusion, we offer a reduced surgery package that can make your medical weight loss procedure much more affordable. Let’s not allow cost to keep you from getting the life-saving help you need.

Don’t wait. Money should not be an issue that keeps you from getting help. Get in touch with us today.

Frequently asked questions about insurance and cost for weight loss surgery

Even with insurance coverage, bariatric surgery can involve out-of-pocket expenses such as deductibles, copayments, and coinsurance. These costs vary widely and depend on your insurance plan. It's essential to review your policy and discuss potential expenses with your insurance provider.

Insurance companies typically have specific criteria for bariatric surgery approval. These criteria may include a minimum Body Mass Index (BMI), documented previous attempts at weight loss, and documented obesity-related health conditions. Your health care provider and insurance company can provide detailed information on the specific requirements.

If your insurance denies coverage for bariatric surgery, you have the option to appeal the decision. This process typically involves gathering additional medical documentation and working with your health care provider to demonstrate medical necessity. Your insurance provider can guide you through the appeals process.

Post-operative costs may include follow-up appointments, nutritional supplements, and dietary modifications. It's important to budget for these ongoing expenses as part of your overall bariatric surgery plan.

Insurance coverage for revision surgery varies and depends on the reason for the revision, your insurance policy, and medical necessity. It's important to work closely with your healthcare provider and insurance company to determine coverage for revision surgery.

In many cases, HSA and FSA funds can be used for eligible medical expenses, including bariatric surgery and associated costs. Check with your HSA or FSA administrator for specific guidelines and documentation requirements.

Find a Doctor

Looking for a doctor? Perform a quick search by name or browse by specialty.

Sign up for a free weight loss seminar

U.S. News & World Report

U.S News & World Report has recognized Baylor St. Luke's Medical Center as one of the best hospitals for several specialties.