Weight Loss Surgery Frequently Asked Questions
- Paying For Your Surgery
- Effectiveness of Bariatric Surgery
- Pre-Op Weight Loss Surgery Testing
- Bariatric Surgery Insurance
- Weight Loss Surgery
Who do I call to confirm that my insurance covers weight loss (bariatric) surgery?
In order to confirm whether you have coverage for bariatric surgery, you should call 1-877-691-3001. We will verify your benefits with your insurance company. Your insurance company will tell us if you have coverage based on “medical necessity.” The patient advocates (insurance specialists) at our office will verify the specific benefits you have and will go over all of the specifics about your insurance coverage and the requirements for approval for surgery.
If your insurance provider indicates that you have an “exclusion” on your policy, this means that your employer has opted not to cover this benefit for employees. Unfortunately, if you have an exclusion, letters or appeals from our office will not change whether or not you have this benefit on your policy. Only your employer can make this change by choosing to cover bariatric surgery as a benefit to its employees.
If you have an exclusion, we recommend that you to speak with your human resources director and ask if there may be plans to cover this benefit in the coming year. We have had several patients in our program convince their employers that the benefits of weight loss surgery – including getting off of their expensive medications rather quickly, missing less time off from work due to related conditions and illnesses, and generally being more productive due to a more positive outlook on life – outweighed the cost and they were successful in gaining coverage.
How much does the surgery cost if my insurance will not pay for it?
Because we believe it’s important to use your insurance benefits if you have them, the first step is to allow our patient advocates to verify your specific benefits. They have extensive knowledge and expertise with bariatric insurance verification, pre-certification, and approval.
Because cost variables exist with each procedure and with each hospital where we perform surgery, as well as your individual health issues, we are unable to give out specific pricing until we have seen you in our office and the surgeon determines the type of surgery that’s right for you. Insurance & Finance
I have no health insurance coverage and want to know the cost of the procedure. Can you tell me how much it costs if I pay for my weight loss surgery myself?
We have relationships with several medical financing companies if you do not have insurance benefits and are interested in paying for your weight loss surgery. One of our patient advocates can discuss the cost of the procedure with you via telephone, as cost varies slightly by hospital location, the procedure you will undergo, and your current health problems.
Medical financing companies allow you to make monthly payments so that you can pay for your weight loss surgery over time. This makes having the surgery you need easy to obtain.
If I use a finance company and get a surgical loan, what will my monthly payment be?
Your monthly payment will be determined by several factors, including the cost of your procedure, the term of the loan (how many months you will pay), and your interest rate. We suggest that you check with your local bank as well as talk to www.unitedmedicalcredit.com or www.medloanfinance.com to gain information about your weight loss surgery financing options. Our Patient Advocates can provide you with contact numbers for these lenders.
If I pay for surgery myself, are there any tax deduction benefits?
In the year you finance or pay cash for your bariatric (weight loss) surgery, you may be eligible to receive money back in potential tax savings. IRS Publication 502 states you can deduct your medical and dental expenses when they total more than 7.5% of your Adjusted Gross Income
Download IRS Publication 502
The rules for tax deductions for medical expenses are established by the Internal Revenue Service and explained in Publication 502. For additional information, visit www.irs.gov or call 1-800-829-1040 to reach the Internal Revenue Service. Always speak with your tax advisor regarding tax issues.
Tax and financial situations are different for every individual and the laws are constantly changing. We recommend that you seek financial advice from a professional for any questions about medical tax deductions that you may have.
How does bariatric surgery work?
- Restrictive procedures: During these procedures, the surgeon creates a small pouch that limits the amount of food patients can eat. This smaller pouch fills quickly and helps the patient feel satisfied with less food. Examples of restrictive procedures: Adjustable Gastric Bandingand Gastric Sleeve.
- Malabsorptive Procedures: The small intestine absorbs calories and nutrients from food. During these procedures, the surgeon reroutes the small intestine so that food skips a portion of it. As a result, a reduced amount of calories and nutrients are absorbed by the body. Surgeons rarely perform strictly malabsorptive procedures. Most procedures that use malabsorption also use restriction.
- Combination Procedures: Certain procedures use both restriction and malabsorption. For example, the Roux-en-Y gastric bypass surgery uses a combination of restriction and malabsorption. During the procedure, the surgeon creates a small pouch. The surgeon then attaches a Y-shaped section of the small intestine directly to the stomach pouch. This allows food to bypass a portion of the small intestine which causes fewer calories to be absorbed by the body. The newly created smaller pouch causes a patient to feel fuller sooner and eat less food. Examples of combination procedures: Gastric Bypass and Duodenal Switch.
Which surgery is right for me?
When considering bariatric surgery, you need to understand more about the risks and benefits of each procedure. Only you and your bariatric surgeon can decide which procedure is right for you.
How much weight will I lose?
The actual weight a patient will lose after the procedure is dependent on several factors. These include:
- The patient’s age
- Weight before surgery
- Overall condition of the patient’s health
- Surgical procedure
- Ability to exercise
- Commitment to maintaining dietary guidelines and other follow-up care
- Motivation of patient and cooperation of their family, friends, and associates
In general, weight loss surgery success is defined as achieving loss of 50% or more of excess body weight and maintaining that level for at least five years. Clinical studies show that, following surgery, most patients lose weight rapidly and continue to do so until 18 to 24 months after the procedure. Patients may lose 30 to 50% of their excess weight in the first six months and 77% of excess weight as early as 12 months after surgery. Patients with higher initial Body Mass Index (BMI) tend to lose more total weight. Patients with lower initial BMIs will lose a greater percentage of their excess weight and will more likely come closer to their ideal body weight.
Why do I have to have a sleep study?
The sleep study detects a tendency for abnormal stopping of breathing, usually associated with airway blockage when the muscles relax during sleep. This condition is associated with a high mortality rate. After surgery, you will be sedated and may receive narcotics for pain, which further depress normal breathing and reflexes. Airway blockage becomes more dangerous at this time. It is important to have a clear picture of what to expect and how to handle it.
Why do I have to have a psychiatric evaluation?
The most common reason a psychiatric evaluation is ordered is that your insurance company may require it. Most psychiatrists will evaluate your understanding and knowledge of the risks and complications associated with weight loss surgery. They are also interested in evaluating your ability to follow the basic recovery plan and your commitment to lifestyle changes.
What impact do my medical problems have on the decision for surgery, and how do the medical problems affect risk?
Medical problems, such as serious heart or lung problems, can increase the risk of any surgery. On the other hand, if they are problems that are related to the patient’s weight, they also increase the need for surgery. Severe medical problems may not dissuade the surgeon from recommending bariatric surgery if it is otherwise appropriate, but those conditions will make a patient’s risk higher than average.
What can I do before the appointment to speed up the process of getting ready for surgery?
- Select a primary care physician if you don’t already have one, and establish a relationship with him or her. Work with your physician to ensure that your routine health maintenance testing is current.
- Make a list of all the diets you have tried (a diet history) and bring it to your primary care doctor and your initial visit with your surgeon.
- Bring any pertinent medical data to your appointment with the surgeon – this would include reports of special tests (echocardiogram, sleep study, etc.) or hospital discharge summary if you have been in the hospital.
- Bring a list of your medications with dose and schedule.
- Stop smoking. Surgical patients who use tobacco products are at a higher surgical risk.
Many insurance companies cover weight loss surgery. Policies vary with employer contracts and companies. It is best to read your policy for coverage information. Our patient advocates are nationally recognized for their experience in gaining insurance approval.
How can my insurance company deny insurance payment for a life-threatening disease?
Payment may be denied because there may be a specific exclusion in your policy for surgical weight loss for the “treatment of obesity.”
Insurance payment may also be denied for lack of “medical necessity.” A therapy is deemed to be medically necessary when it is needed to treat a serious or life-threatening condition. In the case of morbid obesity, alternative treatments – such as dieting, exercise, behavior modification, and some medications – are considered to be available. Medical necessity denials usually hinge on the insurance company’s request for some form of documentation, such as 1 to 5 years of physician-supervised dieting or a psychiatric evaluation, illustrating that you have tried unsuccessfully to lose weight by other methods.
Your employer or human relations/personnel office may also be able to answer any questions you might have regarding your coverage for surgical weight loss procedures.
What can I do to help the process?
The patient advocate will instruct you as to what you will need to do. Generally speaking, you will need to gather all the necessary information required by your insurance company. This information usually includes attempts with previous diets (a diet history), medical records (often, up to a 5 year medical history) and medical tests. This reduces the likelihood of a denial for failure to provide “necessary” information. Letters from your personal physician and consultants attesting to the “medical necessity” of treatment are particularly valuable. When several physicians report the same findings, it may confirm a medical necessity for surgery.
Our patient advocates will submit a “letter of medical necessity” on your behalf utilizing all of the information you have provided.
Will I have a lot of pain?
Every attempt is made to control pain after surgery to make it possible for you to move about quickly and become active. This helps avoid problems and speeds recovery.
How long do I have to stay in the hospital?
It will vary depending on the type of surgery. Generally speaking, gastric bypass will have a 1- to 2-night hospital stay. Duodenal switch patients have a 3- to 4-night hospital stay. Gastric sleeve patients will have a one-night hospital stay. Most adjustable gastric banding patients will go home the same day.
How soon will I be able to walk?
Almost immediately after surgery doctors will require you to get up and move about. Patients are asked to walk or stand at the bedside on the night of surgery, take several walks the next day and thereafter. On leaving the hospital, you should be able to care for all your personal needs, but will need help with lifting and with transportation.
How long will I be on liquids?
All weight loss surgery patients begin their bariatric diet with liquids and gradually take in more dense foods beginning with soups and advancing to solid foods over a period of 2 to 6 weeks. This allows for healing and avoids vomiting.
Will I ever eat normally again?
It depends on what you consider “normal”. Bariatric surgery patients return to eating typical foods between 6 and 12 weeks following surgery. Of course the quantity will be approximately ¼ to ½ of what you were eating pre-op. We encourage you to make healthy choices and avoid fried foods and junk food.
Our program includes post-operative support from nurses and dietitians who will counsel you on proper post-op bariatric nutrition and lifestyle changes. These are the keys to success!
How much time should I take off from work?
We recommend that you plan to stay home from work for 10-14 days after surgery. Open procedures would of course take longer to recover. Everyone is unique and this can vary with the job duties and the individuals’ health.
When can I drive?
You may drive when you are no longer taking narcotic pain medication and when your mobility allows you to perform all of the physical tasks of driving such as, wearing a seat belt.