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Insurance Issues

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Most insurance plans cover it. Bariatric surgery is optional so employers can opt out. You can contact an insurance broker or check the health insurance exchange (healthcare.gov) for what you need. Pricing will vary depending on insurance company and options. Deductibles also vary.

So to that end, what information are you looking for exactly?

If you are in the US, It really varies by State. If your state requires obesity treatment then most plans are required to cover it under the Affordable Care Act. If not, then it is very hard or impossible to find individual plans that cover it and rare to find employer plans that cover it unless it's a large, nation-wide employer or the employer is willing to pay extra and negotiate for the coverage (which is rare). So, basically it depends on the state.

I'm confused. Do you have coverage through an employer or through the healthcare exchange? If its through the employer, the employer has probably chosen to opt out. If this via the state exchange, you may live in a state that excludes bariatric surgery as a necessity. If your employer has opted out, suggest talking to your benefits manager. If your state excludes contact the department of insurance in your particular state and appeal your case.

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