Blue Cross Blue Shield of Alabama is our state ’ s largest health insurance provider with over 3 million Alabamians covered under their plans. BCBS provides a number of plans including Individual & Family, Medicare and Group Health. Surgical Association of Mobile is in-network for most of these plans.
In network providers offer patients a lower out of pocket expense than out of network providers.
The most important consideration when evaluating your BCBS Alabama plan for bariatric surgery is to understand what is covered and your exclusions. If bariatric surgery is not a covered benefit of your plan, you will most likely find this in the exclusions section of the policy documents. Similarly, if it is a covered benefit, you should see a section dedicated to the exact coverages for bariatric surgery. Coverage can vary between plans and groups, so please contact BCBS Alabama or our office to find out more.
Once again, exact coverage will depend your group benefits, so we suggest that you either call BCBS Alabama directly or speak to your HR department at work. At your office consult, you will meet with our Bariatric Coordinator who will go over your benefits and obligations.
Remember that your plan will most likely have calendar year deductibles, co-insurances and out of pocket maximums that reset on January 1. If you are approaching the end of the year, your actual out of pocket expenses may be lower if you have already paid for medical treatment earlier in the year.
Requirements will vary between plans and groups. The following are general guidelines for pre-approval of bariatric surgery:
BCBS Alabama covers several bariatric procedures including the gastric sleeve or sleeve gastrectomy and the gastric bypass and duodenal switch for BMI greater than 50. These are the most popular and effective procedures that we offer. Some patients will be candidates for Lap-Band surgery, which may also be covered by insurance.
The procedures not yet covered by BCBS Alabama include the intragastric balloon, Lap-Band for lower BMI patients and any surgeries they consider experimental, such as the SIPS procedure and mini gastric bypass.
If your primary procedure has failed, BCBS Alabama may cover a revision if the primary cause of failure is not a lifestyle consideration. Coverage for revisions may require additional documentation, so please contact our office.
Unfortunately, not every plan or group will include coverage for weight loss surgery, but that does not spell the end of your journey. There are financing and cash pay options that may suit your needs. If you do not have insurance for surgery, we ask that you call our office to learn more about how we can help you. You may also wish to contact the HR department at your workplace to see if they have incentives for weight loss and bariatric surgery.
Blue Cross Blue Shield of Alabama can be contacted via email or telephone. You may need to call a different number depending on the type of plan you have. Please follow this link to see all contact options: https://www.bcbsal.org/web/contact/index.html
Register for a weight loss surgery seminar using the link below. Afterwards we are happy to schedule a consultation with one of our physicians.
For questions / appointments call: (251) 433-2609
