Your Blue Cross Blue Shield of New York weight loss surgery insurance coverage depends on several factors, all of which are reviewed below.
First, try our insurance tool to quickly check your insurance coverage:
NOTE: This page applies to BOTH:
- Blue Cross Blue Shield of Western New York
- Blue Shield of Northeastern New York
Read and click below for additional weight loss surgery insurance details.
TABLE OF CONTENTS
Click on any of the topics below to jump directly to that section
- 35+ Body Mass Index (BMI)
- Documentation of failed diet attempts
- Psychological evaluation
READ THIS FIRST
Even if your insurance company covers bariatric surgery in some plans, that does not mean that your specific plan covers it. The obesity surgery approval requirements in this section assume that weight loss surgery is covered by your specific policy.
To confirm whether your specific policy covers bariatric surgery, click here to contact a surgeon and ask for a free insurance check.
Disclaimer: The information contained on this page may not include all components of your insurance company’s medical policy and/or may not be up to date. Contact your insurance company to confirm all benefits.
In order to be approved by Blue Cross Blue Shield of New York for bariatric surgery in the United States, you must meet the following criteria:
- Patient is 18 years of age or older
- Diagnosis of Morbid obesity, defined as
- a Body Mass Index (BMI) greater than 40
- BMI 35 – 39.9 AND one of the following
- Diabetes mellitus
- Obstructive sleep apnea
- Coronary artery disease
Use this BMI Calculator to check your body mass index…
- As a result, some centers require active participation in a formal weight reduction that includes frequent documentation of weight, dietary regimen, and exercise. However, there is lack of evidence on the optimal timing, intensity and duration of non-surgical attempts at weight loss, and whether a medical weight loss program immediately preceding surgery improves outcomes
Bariatric surgery in adolescents may be considered medically necessary according to the same weight – based criteria used for adults, but greater consideration should be given to psychosocial and informed consent issues (see Policy Guidelines). In addition, any devices used for bariatric surgery must be in accordance with the FDA – approved indications for use.
In addition to the weight-based criteria, there is greater emphasis on issues of developmental maturity, psychosocial status, and informed consent for adolescent patients. All guidelines mention these issues, but recommendations are not uniform for addressing them.
The following are examples from U.S. guidelines published since 2005 that address issues of maturity and psychosocial status:
- The Endocrine Society:
- The child has attained Tanner 4 or 5 pubertal development and final or near-final adult height
- Psychological evaluation confirms the stability and competence of the family unit
- The patient demonstrates the ability to adhere to the principles of healthy dietary and activity habits
- Institute for Clinical Systems Improvement:
- Recommendations for adolescents apply to “mature adolescents”, which is defined as having reached skeletal maturity
- Bariatric surgery in the adolescent patient is controversial and should be undertaken on a case-by-case basis in a high-volume bariatric surgery center
Revision surgery to address perioperative or late complications of a bariatric procedure is considered medically necessary. These include, but are not limited to:
- Staple-line failure
- Non-absorption resulting in hypoglycemia or malnutrition, weight loss of 20% or more below ideal body weight
- Band slippage that cannot be corrected with manipulation or adjustment (see Policy Guidelines)
Revision of a primary bariatric procedure that has failed due to dilation of the gastric pouch or dilation proximal to an adjustable gastric band (documented by upper gastrointestinal examination or endoscopy) is considered medically necessary if the initial procedure was successful in inducing weight loss prior to pouch dilation and the patient has been compliant with a prescribed nutrition and exercise program.
If Your Policy Does NOT Cover It: Seek Partial Coverage
You may be able to get part of the costs paid for by insurance even if weight loss surgery isn’t covered. It’s all about how your doctor and hospital submit your claims to your insurance company.
For example, there are many non-bariatric surgery reasons for your doctor to recommend:
- Cardiology exam
- Lab work
- Medically supervised diet program
- Psychological exam
- Sleep study
These are ordered for many reasons other than bariatric surgery and may be covered as a result. If your doctor submits one of these claims using a weight loss surgery CPT code (Current Procedural Terminology Code), your insurance is unlikely to cover it. But if your doctor uses a general CPT code, it probably will be covered.
While this may sound “sneaky”, it is an ethical practice. After all, these tests will be beneficial regardless of whether you move forward with surgery.
Blue Cross Blue Shield of New York Contact Information and Full Medical Policy on Bariatric Surgery
- Coverage Through Your Employer
- Individual & Family Plans
Before getting into the types of insurance plans, you can cut to the chase by contacting a local bariatric surgeon’s office. Most surgeons will contact your insurance company for free to confirm whether or not you’re covered.
Blue Cross Blue Shield of New York does cover weight loss surgery, but your specific policy must include it in order for you get it covered.
Following are a list of Blue Cross Blue Shield of New York plan types and whether they cover bariatric surgery:
Weight Loss Surgery for Health Plans Through Your Work
If you work for a company that has 50 or more full time employees, it is completely up to your employer to decide whether or not to cover bariatric surgery under your health plan.
To find out whether weight loss surgery is covered by your employer’s plan, you have a few options:
- Your local surgeon will usually be willing check your insurance for free. Click here to find a surgeon near you, then call or email them to request a free insurance review.
- Ask your Human Resources department
- Contact your insurance company directly using the phone number on your insurance ID card
Weight Loss Surgery for Individual/Family Plans
The Affordable Care Act (Obamacare) requires all individual and small group plans (less than 50 full time employees) to include weight loss surgery coverage as long as it is considered an “Essential Health Benefit” in your state.
The following states DO currently consider bariatric surgery an Essential Health Benefit (bariatric surgery is covered by all individual, family and small group plans in these states):
Your State Not on the List?
If your state is NOT on the list, then weight loss surgery is probably NOT covered under your plan.
First, contact your local surgeon to be sure. For no charge, their office will contact your insurance company on your behalf to work through the details.
If your surgeon confirms that your policy does not include obesity surgery, you still have several options for making surgery more affordable. See these pages for more information:
- Weight Loss Surgery Insurance Secrets: Revised List (good tips even if your policy does not include bariatric surgery)
- Financing bariatric surgery (all of your options)
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Dakota
- West Virginia
Regardless of whether your state is on the list, contact a qualified surgeon to request a free insurance check to verify your coverage.
To review your insurance company’s obesity surgery coverage requirements, click here to jump back up the page.
Weight Loss Surgery for Medicare Plans
All Medicare plans are required to cover the following weight loss surgery procedures:
- Gastric sleeve surgery
- Gastric bypass surgery
- Gastric banding (lap band surgery) (LASGB)
- Duodenal switch surgery (DS)
- Biliopancreatic diversion surgery (BPD)
However, special Medicare-specific criteria apply. Click here to learn more about Medicare bariatric surgery coverage.
- Gastric Sleeve
- Gastric Bypass
- Duodenal Switch
Please see below for the procedures Blue Cross Blue Shield of New York covers, might cover under certain circumstances, and those that are not covered under any circumstances:
Procedures That ARE Covered
- Gastric Sleeve Surgery
- Roux-en-Y Gastric Bypass
- Note: Devices used for laparoscopic adjustable gastric banding do not have FDA-approval in the U.S. for individuals younger than age 18 years
- Duodenal Switch
- Note: Some guidelines for bariatric surgery in adolescents do not recommend biliopancreatic diversions in adolescents because of the greater frequency of nutritional deficiencies on long – term follow – up, but other guidelines do not specify that biliopancreatic diversion not be done in adolescents
Procedures That MIGHT BE Covered
The following procedures MIGHT BE covered by Blue Cross Blue Shield of New York:
Procedures That Are NOT Covered
The following procedures are NOT covered by Blue Cross Blue Shield of New York:
- Gastric Balloon
- Vertical Banded Gastroplasty
- Mini Gastric Bypass Surgery
- Biliopancreatic bypass without duodenal switch
- Long-limb gastric bypass procedure (i.e., > 150 cm)
- Two-stage bariatric surgery procedures (e.g., sleeve gastrectomy as initial procedure followed by biliopancreatic diversion at a later time)
- Endoscopic procedures (e.g., insertion of the StomaphyX™ device) as a primary bariatric procedure or as a revision procedure (i.e., to treat weight gain after bariatric surgery to remedy large gastric stoma or large gastric pouches)
- Bariatric Surgery in Patients with a BMI less than 35
- General Appeal Instructions
- Appeal Details Specific to Blue Cross Blue Shield of New York
If Blue Cross Blue Shield of New York denies your weight loss surgery claim and you think it should be covered, consider filing an appeal.
Our Health Insurance Appeals page will get you started, then head over to the Disputes & Appeals page for Blue Cross Blue Shield of Northeastern New York or for Blue Cross Blue Shield of Western New York to learn how to proceed.
- Ask for a free insurance check or cost quote
- Attend a free seminar or webinar
- Schedule a phone or in-person consultation (both often free)
Search the weight loss surgeon directory below to ask a surgeon about a free insurance check by country and region: