Question:
IS THERE AN INSURANCE THAT WII PAY FOR MY SURGERY?

I HAVE BLUE CROSS / BLUE SIELD. I CALL THEM MY SELF AND THEY SAID WE WAS NOT COVER FOR THAT. AND I WOULD LIKE TOO HAVE THE LAP- BAND BUT I HAVE NO HELP. CAN SOME BODY PLEASR HELP.    — tonyton12 (posted on July 22, 2010)

July 21, 2010
I have BCBS of NC (state employees plan) and they covered my surgery. I had a $2300 out of pocket deductible for a hospital stay, but that was it.
   — spitfire0379

July 22, 2010
I have Aetna and it was specifically excluded. It is not the insurance company, it is usually the employer who excludes certain procedures. Depending on how big the company is you can attempt to speak to your Human Resources Manager. I was able to get mine covered this way. I am assuming that you have coverage through you or your spouses employer. As far as buying an individual plan, I do not think any of these cover the surgery. Lots of doctors give big discounts to cash patients, and if for some reason you have any complications, your insurance has to pay that part. I wish you the best of luck.
   — dowens67

July 22, 2010
Coverage for bariatric surgery is a separate policy that has to be added to the basic policy. It is not available to employers with less than 300 employees, even if they want to add it. If your employer is larger than that, you can talk to them about it, but it will raise the premiums for everyone in the company so many will not do it. I had to put my surgery on a credit card - I'm paying 13.9% interest but believe me, it is worth every penny.
   — boernecheryl

July 23, 2010
hi tony i have medicare and they didnt want to cover my lap band surgery ether but i kept at them and my surgen helped me out also. keep after your insurance company and check with your surgen he may be able to help you too you are making a good move with wanting to lose weight i had mine about a year and half ago and lost 160 lbs and i feel great i hope this helps dont lose hope .sandy
   — sandy fairweather

July 26, 2010
I have blue cross, blue shield or now Anthem and they covered mine. I had to pay the doc 700.00 and the hospital just under 3000.00...or 20 percent. I think it is the employer though, at first mine did not cover it but when they compared cost of treating all the problems being over weight causes, they started covering the surgery. They won't do lap band though, just Roux N Y
   — tfqh99