I have Anthem Blue Cross Blue Shield. I contacted them today and they sent me this
Bariatric/gastric bypass surgery is covered if deemed medically necessary. You or your provider can view our medical necessity guidelines for this kind of surgery at the following web address:
http://www.anthem.com/medicalpolicies/policies/mp_pw_a053317.htm
Pre-certification is required. Your provider may call 1-800-690-0512 to request an authorization.
Your plan provides coverage for surgery based on medical necessity. Surgery that is considered cosmetic, investigational or experimental will not be covered. Referrals are not required.
In-network coverage is at 100% of the maximum allowed amount, with no co-payment or deductible. In-network providers are required to accept the maximum allowed amount for services covered by your policy. If services are rendered inpatient, the facility will charge a $300 admission co-payment.
Out-of-network coverage is at 70% of the maximum allowed amount, subject to the out-of-network deductible of $750 per person or $2000 for the family. Please be advised that an out-of-network provider can bill you for any difference between the maximum allowed amount and the actual billed amount.
Anesthesia rendered by an out-of-network provider at an in-network facility will be covered at the in-network benefit level based on the provider’s total charge.
The out-of-network out-of-pocket maximum is $2500 per person or $7500 for the family. These totals include the coinsurance, but not any charges over the maximum allowed amount, penalties for non-compliance, deductible, co-payments, or non-covered services.
Using an in-network provider gives you a higher level of coverage. When using an in-network provider, please verify with the provider, at the time of service, that they are still contracted as PPO participating. This will ensure you receive the in-network level of benefits for your date of service.
Your deductible and out-of-pocket maximum can be viewed on our website. Please click the “Claims” tab at the top of the page. Now click the “Deductibles & Out of Pocket Amounts” tab. This will display the accumulations for your current benefit year. To view previous benefit year accumulations simply change the date range in the coverage period box on this screen.