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Without health insurance, weight loss surgery can cost over $20,000. Find out how much the different types of surgery are likely to cost you, out of pocket expenses and what you can do to keep the weight surgery costs to a minimum.
Weight loss surgery is a medical procedure that helps you lose weight and lowers the risk of medical problems associated with obesity. It's available with all gold tier health insurance policies which cost around $150 to $200 a month. In some cases, you may be able to find it included in silver plus policies for a little less.
A hospital policy can cover several types of weight loss surgery including gastric sleeve, gastric bypass and sleeve gastrectomy. In most cases, you'll need to serve a 12-month waiting period before you can claim.
The cost of weight loss surgery can run into thousands of dollars depending on the clinic you use and the type of surgery you opt for. Here's a breakdown of costs if you didn't have private health insurance:
There are a few factors that impact the cost of weight loss surgery. You need to take them all into account when working out how much it will cost you and what your out of pocket expenses might be.
Yes. Gold tier private health insurance covers weight loss surgery which includes gastric bypass, gastric sleeve and lap band surgery. You'll need to serve a 12-month waiting period before you're covered.
Health insurance won't eliminate out of pocket expenses, but in most cases, you're likely to pay closer to around $2,000 to $6,000. Health insurance can cover the costs of:
With private health insurance, your main out of pocket expenses will most likely be a portion of the surgeon and assistant's fee as well as the anaesthetist's fee. Speak directly with your surgeon to find out about exact costs. You can then relay that to your health insurer and they'll let you know how much they will cover.
If your surgery is deemed medically necessary, then Medicare may contribute a small amount towards your medical costs as well, usually around $1,200 to $1,500 depending on the MBS Codes (31572, 30511, 30512) that apply to your surgery.
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