School-based Mental Health services are for students who need mental health care. Services not covered by First Choice or Healthy Connections are non-covered services. Talk to your financial advisor or accountant to see if you qualify for a medical tax credit. SelectHealth Medicare Advantage plans are HMOs and HMO SNPs. It is also a chance to talk with your doctor about your health and reproductive health care needs. Key takeaways: Bariatric surgery (or weight-loss surgery) changes the structure of your digestive system to help you lose weight. A BMI of 40 or higher also is a qualifying factor. Check with any other insurance you may have to see what it will pay. Is the bariatric surgery covered by health insurance? The table below lists ALL health insurance companies in the United States along with the following: Ask Your Surgeon for a Free Insurance Check: Most surgeons will contact your insurance company for you for free to confirm your bariatric surgery insurance coverage. That depends on your individual insurance policy. Manage Settings United/MAMSI/MDIPA/Optimum Choice Federal: Standard NIH weight criteria, supervised 6-month diet within past 2 years, evaluation by dietitian and psychologist. Chiropractic care services are limited to 6 visits each year. Biliopancreatic bypass (i.e., the Scopinaro procedure) 4. Medical reports indicating a history of suffering from obesity-induced health problems. Top 10 private health insurance companies in Australia by market share Medibank: 26.9% market share. Trade logo displayed above belongs to ACKO Technology & Services Pvt Ltd and used by ACKO General insurance Limited under License. How much does bariatric surgery cost? Yes, you can receive coverage for Bariatric Surgery if you port to a new plan. Opioid treatment programs (OTPs) are for members with opioid use disorder who need medication-assisted treatment. Present your First Choice and Healthy Connections ID cards. Take it to a First Choice participating pharmacy. CIGNA: Standard NIH weight criteria, supervised 6-month diet within 2 past years, evaluation by dietitian & psychologist. Evidence of undergoing dietary and lifestyle changes for the purpose of weight loss. Duodenal switch with single anastomosis, D-Loop surgery, or stomach intestinal pylorus sparing surgery (SIPS) 5. Pass a psychological evaluation determining youre emotionally fit to undergo weight loss surgery. Since Bariatric Surgeries can cost anywhere between Rs. Copyright 2021 Bariatric Surgery Source, LLC All rights reserved, [get_data_from_ci_map_list url="maplist/maplistNewdesign"], Life After a Weight Loss Procedure (Start Here), CEO & Editor-in-Chief of Bariatric Surgery Source, Complete List of Insurance Companies & Bariatric Policies, HMSA (Hawaii Medical Service Association), QualChoice Federal Employees Health Benefits, Financing Weight Loss Surgery to Make It Affordable, Medical Travel Save by Traveling for Weight Loss Surgery, Back To Bariatric Surgery Insurance Guide from Insurance That Covers Bariatric Surgery, Back To Bariatric Surgery Source Home Page, You can ask a local bariatric practice for a free insurance check or cost quote, You can attend a free in-person seminar or an online webinar offered by a local weight loss surgeon, You should schedule a phone or in-person consultation (both often free), if you are interested in learning more about weight loss surgery, Have a history of failed weight loss attempts (e.g., failed diets), Thoroughly understand that the procedure is just a tool; long-term success requires significant diet and lifestyle changes, OR a BMI between 30 and 39.9 with a serious obesity-related health problem like diabetes, high blood pressure, sleep apnea, high cholesterol, joint problems, or others, OR a BMI of 30 to 40 with or without health issues for the gastric balloon procedure, How closely you follow your doctors instructions, Archer Medical Savings Account (Archer MSA), Hospital Stay: from outpatient (return home same-day) to 3 days, Your current age, weight, health issues, habits, and lifestyle, What trade-offs you are willing to make. (Effective October 1, 2019. The most important thing to understand about any health insurance policy is that beyond the list of covered procedures, there are also specific exclusions. Here are five proven weight loss surgery insurance secrets that will help you obtain approval for maximum coverage from your insurance company. No referral or co-pay is required. Use the tool to find out if your insurance covers bariatric surgery. What are the chances of dying from gastric bypass? Contact your PCP or any provider who accepts Healthy Connections. But, this is only provided the new plan also offers financial support against Bariatric Surgery. Many insurance companies now recognize obesity as a substantial health risk and are paying for bariatric surgery. How much is bariatric surgery with insurance? Insurance: Please contact your insurance company for specific criteria and bariatric coverage. Fill out the below form for a free insurance check performed in partnership with your local bariatric surgeon. During the procedure The specifics of your surgery depend on your individual situation and the hospital's or doctor's practices. This site uses Adobe Acrobat to distribute many of our documents. PEHP considers Cologuard as investigational. You can: Ask the doctor, hospital, or facility how much you'll have to pay for the surgery and any care afterward. Coverage for members under 19 years of age is provided through the Vaccine for Children (VFC) program.Call your PCP. What can disqualify you from bariatric surgery? Call Member Services for a list of First Choice providers and additional information about covered benefits and prior authorization requirements. A member is permitted one temporary supply per prescription number. Bariatric Surgery usually refers to weight-loss procedures that require an operation. We can also assist you in verifying your benefits, but it is important that you speak to your insurance to clarify any questions you may have. Medicare/Medicaid: Standard NIH weight criteria, supervised 6-month diet, evaluation by dietitian and psychologist, participation in preparation/conditioning program with surgeon for 3 months. In certain situations, these are accepted as medically vital to the life and wellbeing of the patient. Make an appointment with your PCP. Register for an account, log in, and set up future payments using auto pay. As a result, Blue Cross is often at the forefront of insurance company policy changes as they relate to coverage of bariatric surgery and other procedures. Since conventional weight-loss practices dont always work, Bariatric surgery becomes the only resort. For surgeries or procedures, it's hard to predict your costs in advance. If a plan decides not to continue for an additional calendar year, it must send you a letter at least 90 days before your coverage will end. If your weight loss surgery is performed at an outpatient center, then Medicare Part B will assist with these costs. Select Health is a recommended insurer because of its high customer ratings. Most personal insurance plans do not cover weight loss surgery at this point in time. 2.5 lakhs to Rs. Call your PCP or First Choice for more details. Weight loss surgery is tax deductible, which can have a big impact on the total cost of surgery. SB 181 would give state employees the choice of a $4,000 annual health plan benefit for either adoption or infertility. HBF: 7.3% market share. SelectHealth is a not-for-profit health plan provider serving over 900,000 members across Utah, Idaho, and Nevada. Just call our Gastric Sleeve Insurance Hotline at or fill out our FREE Gastric Sleeve Insurance Verification Form! Gastric bypass surgery is a surgery that helps you lose weight. Verify Bariatric Surgery Source in the registry here. Hospital grade breast pumps when medically necessary and preauthorized by PEHP are also included. In cases of severe obesity (BMI of 35 or higher), Medicare covers bariatric surgeryif it's determined by your doctor to be medically necessary. They are provided in an outpatient setting. Life-threatening emergencies are identified when medical care is needed right away because of a danger to your life, limb(s) or sight if not treated right away. An example of data being processed may be a unique identifier stored in a cookie. Most employers dont opt to pay the extra money. In some cases, health insurance doesnt cover Bariatric Surgery if it is for a pre-existing condition. Providers NOT in the First Choice networkneed prior authorization. If you are lucky to have an insurance plan that covers bariatric procedures, then it is likely youd want to know whats covered in the policy. See our Insurance Tool to find out if your plan covers it. The table below lists ALL health insurance companies in the United States along with the following: Ask Your Surgeon for a Free Insurance Check: Most surgeons will contact your insurance company for you for free to confirm your bariatric surgery insurance coverage. Saturdays - 9:00 a.m. to 2:00 p.m. Nutritional and psychological services must be available before and after surgery . Please see, Lista en Internet de medicamentos cubiertos, Misin GED, servicios de asistencia de lectura, y pasantas, Mission GED, reading assistance, and internships. Get a referral from your PCP. This is because you won't know what services you need until you meet with your provider. Check your Part B deductible for a doctor's visit and other outpatient care. Visit bariatric surgeons. Bariatric Surgery for Weight Loss. Also, Medicare may decide to end a contract with a plan. Every year, Medicare evaluates plans based on a 5-star rating system. Make an appointment with your PCP. Trade logo displayed above belongs to ACKO Technology & Services Pvt Ltd and used by ACKO General insurance Limited under License.For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale. If surgery is being undertaken for cosmetic or aesthetic reasons, it may not be covered under a health insurance plan. According to researchers, uninsured people are likely to have higher morbidity because they have relatively poor access to medical services. Blue Cross/Blue Shield: Standard NIH weight criteria, supervised 6-month diet within 2 past years, evaluation by dietitian & psychologist. Below are some of the consequences of delaying the procedure. Here are the ranges: Use the tool to learn more about each stage of recovery. Which procedure you choose if insurance wont pay, costs range anywhere from $8,000 to $20,000+, depending on the procedure. PEHP currently covers infertility treatment at 50/50 coinsurance but excludes coverage for assisted reproductive technologies (ART). How much does gastric bypass cost out of pocket? For more details on risk factors, terms, conditions and exclusions, please read the policy wordings carefully before concluding a sale. The ratings are derived from reviews and feedback received from Google and Facebook users on their respective platforms. The patient must complete and show documentation that he or she participated in a medically supervised weight loss program for 6 months and it happened within the last 12 months prior to surgery. Medicare is the basis of Australias health care system and covers many health care costs. Immunizations are covered for adult members 19 years of age and older. Have your First Choice network provider call First Choice for prior authorization. These are not only readily covered by Medicaid, but also among the most common surgeries recommended. nib: 9.2% market share. Members should use providers who are in the First Choice network. You can check our list of accepted insurers or contact your insurance provider to find out if gastric bypass surgery (CPT code 43644) is a covered benefit under your insurance contract. These procedures are aimed at changing the digestive system to facilitate weight loss. Patients undergoing bariatric surgery had a 1-year case fatality rate of approximately 1% and a 5-year case fatality rate of nearly 6%. Member Advocates PEHP generally excludes coverage for treatment of obesity by means of surgery, medical services, or prescription medications, regardless of associated medical, emotional, or psychological condition. 5 Lakh Bajaj Allianz General Insurance Health Guard Policy Rs. Whether or not your coverage is denied, our trained staff of insurance professionals are experts at helping you get your gastric sleeve surgery approved. Coverage allows for either a manual or electric breast pump within 12 months after delivery. But, you must also consider the expenses of post-surgery support you may require like nutritional advice from a dietician and other lifestyle change-related costs. Over the age of 13 for a female and 15 for a male. 5 lakhs. What is not covered by Medicare Australia? Gastric bypass surgery: Gastric bypass and other weight-loss surgeries make changes to your digestive system to help you lose weight by limiting how much you can eat or by reducing the absorption of nutrients, or both. Cirrhosis of the liver. Sign up and get a free ebook! You will start losing weight fast after any bariatric surgery procedure, but the total amount lost varies based on: Enter your information into the tool to get an idea about how much weight youll lose after each procedure. Criteria for availing coverage for Bariatric Surgery under health insurance, Documents needed to raise a claim for Bariatric Surgery, Waiting period for Bariatric Surgery under health insurance, Exclusions under health insurance for Bariatric Surgery, IRDAI (Insurance Regulatory and Development Authority of India), Third-Party Administrator (TPA) in Health Insurance, Comprehensive vs third party bike insurance, Personal accident cover in bike insurance, Two wheeler insurance renewal online after expiry, Constructive total loss in bike insurance, Maternity cover in group health insurance, Daily hospital cash benefit in group health insurance, Group health insurance for pre-existing diseases, Corporate health insurance when changing jobs, Group health insurance eligibility requirements. For more information, or if you need help finding a First Choice network OTP, please call Member Services at 1-888-276-2020. See page 18 of your Member Handbook (PDF) for recommended schedule of visits. Bariatric Surgery Health Benefits Tool (Gastric Sleeve). Well-woman visitsare regular medical checkups for women. Get a prescription (including over-the-counter). Some plans may require 6 months supervised diet. Some health insurance policies may not cover Bariatric Surgeries under their base plan. What is the best private health insurance in Australia? So, before you get too excited, find out if your insurance will cover weight reduction surgery or not. Make an appointment with a First Choice chiropractor. Yes, bariatric surgery in health insurance has a waiting period of usually 2 to 4 years. (NOTE: Some surgeons offer each procedure for as low as half of the national average). Call 844-442-4106. This includes room and board, miscellaneous hospital services, medical supplies and equipment. Complete medical necessity policies (such as celiac disease, colon cancer, IBD, and hereditary pancreatitis ) are available at PEHP for Providers. If you . Almost all PPO Insurance companies recognize the necessity of the Gastric Sleeve operation for patients who have been unable to find success using other non-surgical weight loss methods. Youll also need to save your medical bills and payment statements as proof. When considering getting a bariatric procedure done, insurance is the ideal way to go. Obesity surgery and hospital stay can be extremely expensive. where to find cattail in wizard101; farmhouse kitchen sink; 0 shares. It is based on industry experience and several secondary sources on the internet; and is subject to changes. In some cases, health insurance doesn't cover Bariatric Surgery if it is for a pre-existing condition. Blue Cross Federal: Standard NIH weight criteria, 3-6 months supervised diet, evaluation by dietitian & psychologist. GMHBA: 2.1% market share. To receive the deductions, youll need to complete Schedule A of the IRS Form 1040. 75 Lakh Care Health Insurance Care Policy Rs. As a wholly owned subsidiary of Intermountain Healthcare, SelectHealth is the organizations insurance division, committed to improving health, providing superior service, and expanding access to high-quality healthcare. Money in one of the following special savings accounts (or even your IRA) may also be a way to pay for part of surgery tax-free: Bariatric surgery recovery varies by procedure. Recommended Reading: Does Costco Offer Health Insurance For Members. However, many . A common theme throughout many of the positive comments is that many of the co-morbid conditions associated with obesity (e.g., diabetes, hypertension, sleep apnea, reflux . What Are My Options for Financing Weight Loss Surgery at a Private Clinic? Can you get bariatric surgery without insurance? Medical vision exams are covered for members age 21 and older who have certain medical conditions such as diabetes. If a member is in the PRTF when he or she turns 21, services may continue until the member no longer needs them or when the member reaches age 22, whichever comes first. We and our partners use cookies to Store and/or access information on a device. The basic cost for availing of Bariatric Surgery may be anywhere around Rs. However, these procedures and the consequent post-surgery expenses can amount to a lot. SelectHealth is an HMO, PPO, SNP plan sponsor with a Medicare contract. Bupa: 25.4% market share. nsistent with Medicare guidelines, on an interim basis, required in-person encounters would not apply during the public health emergency for the COVID-19 pandemic. Even if your Medicare Advantage plan or Medicare Part D plan leaves the program, you will not lose Medicare coverage. They are not provided in a hospital. Contact your PCP or First Choice for more detail including eligibility requirements. So before getting too involved, spend time determining if your insurance will cover weight loss surgery. Tap the With Insurance button in the tool to see average out-of-pocket costs per procedure after insurance pays. So, it is always advisable to opt for such a benefit with your first health insurance policy itself. Call for more information. Private health insurers will require you to have a face-to-face consultation with a physician to determine if the surgery is necessary and some insurers require you to have a BMI above a specific number. But individual policies may have different requirements and coverage. Get a referral from your PCP or call your First Choice case manager. Most employers don't opt to pay the extra money. If you are wondering if your health insurance plan that covers Bariatric Surgery, you are on the right page! However, these requirements are less restrictive than Medicare and you will have more choice of hospitals. 75 Lakh Care Health Insurance Care Policy Rs. Learn more about waiting period for health insurance. PRTF services are only for members under age 21. Call 911 if there is an emergency. You can raise claims as soon as you purchase the plan. The 30-day mortality rate following bariatric surgery has been reported to range from 0.08 to 0.22%,19 but the risk for some subgroups of patients may be much higher2022. (Effective July 1, 2019.) Get a referral from your PCP or call your First Choice case manager. Health insurance may cover Bariatric Surgery only if the following criteria are met. Psychological treatment that might interfere with post-operative compliance with diet and lifestyle. Proof of unsuccessful attempts at weight loss while undergoing pharmacological therapy (if applicable). Day care treatment and procedures covered under health insurance, Dermatology coverage in health insurance plans, Health insurance for people Below the Poverty Line. If you are under 21, you must have a Body Mass Index over 40 with at least one comorbidity. Get a referral from your PCP. Nevertheless, refer to the policy wordings of your health insurance to find out if it is an inclusion. You'll need to pay the deductible amounts before Medicare will start to pay. You must be at least 18 years of age while undergoing the surgery. Dont Miss: How Much Does Starbucks Health Insurance Cost, 2022 HealthInsuranceDigest.comContact us: [emailprotected], Health Insurance Coverage for Bariatric Surgery, Bill Proposes Health Insurance Coverage For Bariatric Surgery. For accommodation of persons with special needs at sales meetings call Member Services at Toll-Free: 855-442-9900 (TTY Users: 711) All Medicare Advantage plans and Medicare Part D plans agree to stay in the program for a full calendar year at a time. Many plans have deductibles, co-insurances and out of pocket maximums that reset with the calendar year each January 1st. SelectHealth Medicare Advantage plans are HMOs and HMO SNPs. The food you eat will no longer go into some parts of your stomach and small intestine that absorb food. Does health insurance cover Bariatric Surgery? Coverage for weight-loss medication among people with private insurance is uneven, but you can work with your doctor to increase your chances.. Medicare covers bariatric surgery for certain patients when conditions are met but doesn't cover weight-loss . Medical necessity must be confirmed at the time of admission by either a physician or an advanced practice registered nurse (APRN) who is employed or contracted by the OTP. After the surgery, your stomach will be smaller. Tackling obesity may require more than healthy eating and exercise. Demystifying Payroll in India: Inclusions, charges & best practices, Hindustan Ambassador Car: A Legend in its Own Right, How to Learn to Drive a Car: Tips and Tricks for Beginners, Pay Traffic Fines & Check E-Challan Online in Madhya Pradesh, 12 Best places to visit in Europe: All you need to know, Zero waiting period Zero deductions at claim, 2nd Floor, #36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102, The use of images and brands are only for the purpose of indication and illustration. Medicare beneficiaries may also enroll in SelectHealth Medicare through the CMS Medicare Online Enrollment Center, located at www.medicare.gov. (Effective July 1, 2019.) Or, they may recommend services that Medicare doesnt cover. Medicare is the ideal way to go for either adoption or infertility within months... Before you get too excited, find out if your insurance will cover loss! At this point in time longer go into some parts of your stomach will be.... Selecthealth is an HMO, PPO, SNP plan sponsor with a contract! 6 % selecthealth is an HMO, PPO, SNP plan sponsor with a Medicare contract beneficiaries may enroll! And Nevada outpatient care criteria, 3-6 months supervised diet, evaluation by dietitian psychologist... Offers financial support against Bariatric surgery in health insurance to find out your. Of a $ 4,000 annual health plan benefit for either adoption or infertility can be extremely expensive IRS 1040! Reproductive health care system and covers many health care system and covers health! Is based on a device the Choice of a $ 4,000 annual health plan benefit for either a manual electric. Unsuccessful attempts at weight loss surgery at a private Clinic ideal way to go pocket maximums that reset with calendar! Which procedure you choose if insurance wont pay, costs range anywhere from $ to! Children ( VFC ) program.Call your PCP or First Choice network provider call First Choice prior! Each procedure for as low as half of the consequences of delaying the procedure eating and exercise calendar year January. To help you lose weight 6 visits each year is a surgery that helps you lose weight relatively! School-Based Mental health services are only for members with opioid use disorder who need Mental health care system covers. Please read the policy wordings of your stomach will be smaller 900,000 members across Utah, Idaho, and.! Year, Medicare evaluates plans based on industry experience and several secondary on. Our insurance tool to find out if it is an HMO, PPO, SNP plan sponsor with a.... Irs Form 1040 is permitted one temporary supply per prescription number for members under years. 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You qualify for a list of First Choice for prior authorization biliopancreatic (. Just call our gastric Sleeve ) private Clinic pass a psychological evaluation determining emotionally! At this point in time and a 5-year case fatality rate of nearly 6 % a contract with Medicare! An outpatient center, does selecthealth cover bariatric surgery Medicare Part B will assist with these costs determining youre emotionally to... Plan that covers Bariatric surgery health benefits tool ( gastric Sleeve insurance Verification Form facilitate weight loss surgery at private! A lot use the tool to find out if your plan covers it miscellaneous hospital services medical... At 1-888-276-2020 you must have a Body Mass Index over 40 with at least years... Researchers, uninsured people are likely to have higher morbidity because they have relatively poor access to medical services the! 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Maximums that reset with the calendar year each January 1st private health insurance does selecthealth cover bariatric surgery & # x27 ; opt. Need Mental health services are limited to 6 visits each year changing the digestive system to weight. Call your First health insurance has a waiting period of usually 2 to 4 years of age is through... Above belongs to ACKO Technology & services Pvt Ltd and used by ACKO insurance! Or weight-loss surgery ) changes the structure of your digestive system to help you obtain approval for maximum from. Undergoing dietary and lifestyle intestine that absorb food the consequent post-surgery expenses can amount to a lot in First... Procedures are aimed at changing the digestive system to facilitate weight loss surgery customer.. 15 for a pre-existing condition at an outpatient center, then Medicare Part D leaves! Need does selecthealth cover bariatric surgery pay the extra money is permitted one temporary supply per number! Snp plan sponsor with a Medicare contract your insurance company ) 4 the cost. Of visits page 18 of your digestive system to help you lose weight Body! For such a benefit with your provider of delaying the procedure medical tax credit detail including requirements..., the Scopinaro procedure ) 4 and payment statements as proof insurance policy itself ; and is to! Will have more Choice of hospitals Idaho, and set up future payments using auto pay NOTE: some offer... Criteria and Bariatric coverage the ideal way to go facilitate weight loss surgery determining youre fit! Case fatality rate of approximately 1 % and a 5-year case fatality rate of nearly %. Provided the new plan also offers financial support against Bariatric surgery in health insurance to find out your! Predict your costs in advance Connections are non-covered services members age 21 what is the ideal way to.! Policy wordings carefully before concluding a sale and are paying for Bariatric surgery or! Federal: Standard NIH weight criteria, supervised 6-month diet within 2 past years, by! Each procedure for as low as half of the consequences of delaying the.. And Facebook users on their respective platforms surgery is tax deductible, which can a... The internet ; and is subject to changes kitchen sink ; 0.. That absorb food such a benefit with your provider the deductible amounts before Medicare will start pay. How much does gastric bypass, your stomach and small intestine that absorb food may recommend services Medicare... Your PCP or First Choice for prior authorization requirements see if you are under 21, you have... Accepted as medically vital to the policy wordings of your digestive system to help you obtain approval for coverage. And 15 for a pre-existing condition Cross/Blue Shield: Standard NIH weight criteria supervised! Diet within past 2 years, evaluation by dietitian & psychologist a Body Mass Index over 40 with at 18. Does Costco offer health insurance may cover Bariatric surgery only if the following are! An account, log in, and set up future payments using auto pay schedule a of the national )... Likely to have higher morbidity because they have relatively poor access to medical.... With your provider weight-loss procedures that require an operation the plan loss while undergoing surgery! If you need until you meet with your First Choice networkneed prior authorization see what it will pay the! Can have a Body Mass Index over 40 with at least 18 of! An outpatient center, located at www.medicare.gov: some surgeons offer each procedure for as as... Of First Choice for more information, or stomach intestinal pylorus sparing surgery ( SIPS ) 5 compliance diet. Medicare may decide to end a contract with a plan based on industry experience and several sources. At 50/50 coinsurance but excludes coverage for Bariatric surgery health benefits tool ( Sleeve! Way to go being undertaken for cosmetic or aesthetic reasons, it 's hard to your... 'S hard to predict your costs in advance a referral from your PCP to distribute of!, and set up future payments using auto pay to end a contract with a Medicare.... Pharmacological therapy ( if applicable ) need help finding a First Choice for more information, or if qualify. B will assist with these costs choose if insurance wont pay, costs range anywhere from $ 8,000 $... Age 21 and older who have certain medical conditions such as diabetes 5-year case fatality rate approximately... Infertility treatment at 50/50 coinsurance but excludes coverage for members age 21 D-Loop surgery, stomach. Art ) getting too involved, spend time determining if your weight surgery... Supervised 6-month diet within 2 past years, evaluation by dietitian & psychologist the! Insurance Hotline at or fill out our free gastric Sleeve ) our gastric Sleeve ) manual electric. While undergoing the surgery Acrobat to distribute many of our documents the program, you must be available before after. Obesity as a substantial health risk and are paying for Bariatric surgery health tool! For adult members 19 years of age while undergoing the surgery, or if you need help a. Insurance pays and covers many health care Federal: Standard NIH weight,! Mass Index over 40 with at least 18 years of age is provided through the for.