Out-of-pocket costs: Even when your Blue Cross Blue Shield covers bariatric surgery, your individual health plan may have co-pays, deductibles, and maximums for out-of-pocket expenses.The coverage amount can vary depending on your type of policy and benefits you have chosen. Types of coverage: If your Blue Cross Blue Shield covers bariatric surgery, it is still important to know what types of weight loss procedures and obesity treatments are covered under your plan.Review the exclusions section in your health policy to know whether weight loss surgery is a covered benefit or not. Policy exclusions: If you want to know does Blue Cross Blue Shield cover bariatric surgery, and are there any exclusions in your plan, call your insurer or talk to your employer.It’s vital to note, however, that even when you are paying the premiums for it, you will receive actual coverage only if you complete the necessary documentation for approval. Yes, Blue Cross Blue Shield covers bariatric surgery, subject to the type of insurance policy you have chosen. Many patients who have inadequate or no insurance coverage for weight loss surgery now seek safe and affordable offshore medical tourism options.ĭoes blue cross blue shield cover bariatric surgery?.However, an exclusion of weight loss surgery from your BCBS plan should not discourage you from exploring various low cost self-pay options.This will depend on the type of policy you have purchased. Yes, some Blue Cross Blue Shield plans may not cover bariatric surgery. In some cases, adjustable gastric band surgery (lap band) is also covered.Ĭan a BCBS plan exclude bariatric surgery coverage?.The insurance companies in all the states cover these two procedures under Blue Cross Blue Shield bariatric surgery plans.Gastric sleeve and gastric bypass are two of the leading procedures that are considered the safest and most definitive solutions to morbid obesity.The Blue Cross Blue Shield weight loss surgery program offers coverage for a number of bariatric procedures. Types of weight loss surgery covered under BCBS As long as it can be shown that your procedure is a medical necessity, you can receive Blue Cross Blue Shield bariatric surgery coverage.Bariatric surgery is recognized as an effective way to get rid of obesity and associated co-morbidities.The answer is yes, subject to fulfillment of the specific eligibility criteria set by your insurance provider.So there.People who are struggling with obesity often wonder: does Blue Cross Blue Shield cover weight loss surgery? In fact, the entire private insurance system sucks hamster balls. But if these are your only choices, then at least you understand what you're getting into.įull disclosure: I worked for a local competing insurance company for several years - which I would also not recommend. You can see anyone you want, you just pay more if they are out-of-network.ĭon't get me wrong, I have Providence, and I really don't like them. Providence, depending on your plan of course, is the opposite. So if you go with Kaiser, and you have acute health needs that need to be addressed by specialists on a regular basis, you are going to spend a lot of time fighting with bureaucrats. As another cost-cutting measure, their doctors are very reluctant to refer you to any specialists, even their own, regardless of the nature and severity of your condition. Kaiser requires - with rare and painstakingly-obtained exceptions - that you use their doctors at their facilities. If you just need a checkup a year and occasional treatment for a cold, Kaiser will do you just fine - and probably save you money. Depends on the nature of your upcoming care needs.
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