Best medical insurance for gastric bypass?

Question by prettyenpink: Best medical insurance for gastric bypass?
I have struggled with being overweight my whole life and I have decided I want gastric bypass. I currently do not have insurance and I want to buy insurance to cover the surgery. I’m not really sure how to go about purchasing insurance and which ones deny weight loss surgeries. I am 22 and in perfect other then being overweight, so I figure getting health insurance shouldn’t be too hard to get approved for. Like I said just wondering which insurance is best for the surgery and any suggestions you have for purchasing health insurance would be great. Thanks!

Best answer:

Answer by acermill
It is nearly impossible to find health insurance which will pay for a gastric bypass. Those which DO pay are very expensive policies, and the insurer willl require that you follow a medically observed diet for at least one year before they will approve such expensive surgery.

What do you think? Answer below!


  1. MSAD on December 23, 2012 at 10:37 am

    Very few policies will pay for gastric bypass. The ones that do are usually offered through an employer – not private pay plans.

    That’s because the only people that would go and purchase a plan to cover gastric bypass are the people that want it. Just like…the only people that purchase plans with maternity coverage are people that plan to have babies.

    Many docs will accept Care Credit. You may want to go meet with the doc and learn more about the procedure and any financing options offered through his office.

    A word of warning with gastric bypass – I have several friends that have had it done. It works. You will lose weight. However, you can also gain all that weight back. You still have make permanent changes to your diet and exercise routines.

    As someone who struggles with weight myself…I just hired a personal trainer. You may want to consider doing that first. For $ 45 a visit (once a week) she’ll come to my home and work out with me. She’s also helping give me guidance with my diet. If I do what she tells me to do…this will work. I feel good about that. I hired her because I need someone to be accountable to and to educate me on diet and exercise. It’s time to stop messing around and do this right.

    It would be much cheaper to hire a personal trainer than to have the surgery. And, the trainer will teach you about diet/exercise. So that if you do decide to have the gastric bypass in the future, you will know what to do to keep the weight off. Because that would really suck to pay out of pocket to have the surgery and then gain a lot of weight back a few years later.

  2. StephenWeinstein on December 23, 2012 at 11:06 am

    The best and only insurance is insurance that the patient already had before the patient began to need the surgery.

    Because you already need the surgery, it is too late now. You will need to pay for the surgery yourself, with your own money, without using insurance.

    All insurance denies weight loss surgery for anyone who is not “morbidly obese”. If you are just “overweight”, and are not “morbidly obese”, then no insurance will pay for weight loss surgery.

    If you are “morbidly obese”, then getting approved for insurance on your first try will be almost impossible in over 90% of the states. (The only reason it is not 100% is that a few states have laws requiring insurance companies to approve everyone between 19 and 64 years old who lives in those states. Those are the only states were it is “not to hard to get approved” if you are “morbidly obese.) However, even if you are approved for insurance, it will not pay for you to get this surgery now, because the surgery is for a condition that you already had before you got the insurance.

  3. lucy on December 23, 2012 at 11:34 am

    When you buy a private health insurance policy, they base your rates on your health and your weight. Since overweight, you will pay more, even if healthy.

    If you are thinking, will pay for 6 months premium, then schedule the surgery and think the insurance company will pay, most likely they will not. Many companies may have a 2 year “contestability” provision.

    Either way, might have to go on diet, exercise and the doctor would have to show that this is medically necessary. You also most likely would need the insurance company to preauthorize payment.

    You need to talk to a “real” agent that sells health insurance, who can explain IF you might get coverage or not.

    But as a general rule, most private policies will deny this.

    Talk to an insurance professional who knows the laws of the state where you live.

  4. mbrcatz on December 23, 2012 at 12:02 pm

    The one through your employer.

    You can’t buy private health insurance to cover this – you’ll be denied, because it’s a preexisting condition. That’s if they’ll even offer you a policy – in most states, it’s an automatic decline.

    Even IF you can get it covered, they won’t cover it until you try DIETING first.

    And seriously, you don’t even want to lose this weight very much. “I only want this surgery if someone else pays for it” means you don’t want it very much. No skin in the game, so to speak.

    You don’t NEED surgery, to lose weight. What you need, is to stop eating crap food. If you eat ONLY single ingredient foods – nothing processed – you WILL lose weight. I promise, you will!!

  5. Insurance on December 23, 2012 at 12:02 pm

    1) Most policies will not cover gastric bypass.

    2) You cannot buy a policy and expect it to pay for ANYTHING you already need.

    Insurance covers unexpected illness or injury. Otherwise, how would they stay in business if you could just buy it when you wanted surgery?

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