Will My Insurance Cover Bariatric Surgery?

MH900321113The good news is, most insurance companies recognize the medical necessity of weight loss surgery and choose to cover their members. There are, however, very specific guidelines many insurance companies have put in place in order for your procedure to be authorized. Many require a waiting period of up to six months while the patient completes dietary counseling with a Registered Dietician. Our professional staff will help you navigate your insurance requirements and set up the needed appointments to help authorize your surgery. Insurance coverage for bariatric surgery will depend on the specific policy you have chosen as well as your employer’s health plan. We recommend you contact your insurance company directly and ask if your specific policy covers bariatric surgery.

Out-of-Pocket Expenses?

Depending on your specific insurance package, there may be a percentage of the cost that will be passed on to you as the patient. It is important to understand that anytime you undergo a surgical procedure, you should expect to get a bill in the mail from three different places: 1. The facility for your hospital stay, 2. Anesthesia, and 3. The private practice for the surgeon’s fees.

We recommend you call each of these places well before your procedure in order to receive a breakdown of what your out-of-pocket expenses should be depending on your specific insurance package.

** Please also keep in mind that our Lifestyle Management Program is an expense that we do not bill to your insurance, so it should be considered when calculating your out-of-pocket costs. For more information on our Lifestyle Management Program, click here.**

For your convenience, we have provided several links to common insurance carriers and their policies and guidelines regarding bariatric surgery:


 Cash/Self Pay

North Valley Surgical Associates is pleased to offer an affordable self pay option to assist you should your insurance not cover your procedure. If you have an exclusion on your policy, don’t meet the requirements set forth by your insurance or if you simply do not have insurance, we have a discounted self pay price to assist you. For information on prices for each procedure, please contact our office.


If you need assistance with financing options, we are pleased to offer the following options:

American Healthcare Lending

American HealthCare Lending is the premier financing company in the bariatric surgery industry. With over $5 Billion funded and over 300,000 loan inquiries serviced through their lenders, this is a name and a program you can trust.

Here are some of the benefits you’ll receive with a loan from American HealthCare Lending:

  • Immediate decisions for loans under $35,000
  • Term options out to 84 months (affordable monthly payments)
  • No collateral required
  • No prepayment penalties
  • Fast & easy loan inquiry process
  • 100% Confidential
Care Credit

Company A


North Valley Surgical Associates has merged with Enloe Medical Center.

Please rest assured that we are still here to care for you ongoing and can reach us at:

The Enloe Bariatric Program:
251 Cohasset Rd., Ste. 300
Chico, California  95926
tel: (530) 332-5350
fax: (530) 893-6032


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ph: (530) 332-5350 fx: (530) 893-6032
New Body . . . New Beginning!