Thursday, August 24, 2017

Insurance Information

Fortunately, many insurance companies recognize the serious health threats of obesity and do cover bariatric surgery. If you have insurance and your health benefits cover the procedure, your out-of-pocket expenses will be determined by:

  • Your deductible, co-payment amounts, and any other co-insurance amounts
  • The terms of any contracts we may have with your insurer
  • Other factors specific to your situation

When you have your medical consultation, we can review your insurance benefits and help explain the coverage as well as estimate any out-of-pocket costs you may incur for the surgery.

Insurance FAQs

Following are some of the most commonly asked questions about insurance coverage for bariatric surgery.

How do I verify my insurance coverage?

Many insurance companies cover weight-loss surgeries, including the LAP-BAND® procedure and sleeve gastrectomy; some do not. 

Part of the benefit of attending our educational seminars is that we will contact your insurance provider to determine if you have coverage for the LAP-BAND System or the gastric sleeve. You may also complete our Insurance Verification form, and one of our insurance specialists will contact you to discuss your eligibility for surgery.

What do I do if my insurance policy denies coverage for weight-loss surgery?

If your request for authorization is denied by your insurance company, it may still be possible to get coverage. You will need to appeal the decision and address any specifics stated in the denial.

Alternately, you can choose to forgo the appeals process with your insurance company and pursue weight-loss surgery immediately under our financing program.

Whether or not you have insurance, if you believe weight-loss surgery is the right solution for your healthy weight loss, we encourage you to contact us to schedule your medical consultation.

Is financing available for my out-of-pocket costs?

For all our patients, Malley Surgical offers free referrals to financing companies and financial options that specialize in qualifying LAP-BAND and gastric sleeve patients for a variety of loans. Whether your financing needs range from your insurance deductible to the full cost of the surgery as a self-pay patient, you will receive:

  • Free expert financing advice
  • Diverse financing terms and options

When you have your medical consultation, one of our financial counselors will meet with you to discuss our self-pay programs.

Learn more about our financing options for weight-loss surgery.

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Is weight-loss surgery right for you?

Our free online seminar answers many common questions and will help you make an informed decision.

Be prepared for the holidays!

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Learn how to avoid overeating and battle stress during the holiday season