Does Anthem (Blue Cross of California) cover Lap Band Surgey?

Question

I am considering the lap band surgery, but don't know if my insurance has a habit of covering it. Technically it is covered under my policy if deemed medically necessary, but I don't know the likelyhood of being approved. I have been talking to my doctor about it, so I just want to know if anyone who has Blue Cross of CA which is now called Anthem has had any experience with getting the surgery covered or not. Thanks!!

Answer 1

You really need to call your health insurance company. They will be able to tell you what the guidelines are for considering weight loss surgery "medically necessary".

I had surgery on my nose to correct a deviated septum last year. My doctor submitted the paper work on the surgery and that it was medically necessary. I did not have to do anything to get the surgery approved. My doctor got the approval. Then I got a letter in the mail saying it was approved.

If you do have surgery- make sure you ask if your hospital, anesthesiologist are all in network. Just because the surgeon is - does not mean the others are. Check that out before surgery is done and you get big bills.