First, you need to find out about your own policy. You need to look at the benefit booklet and that should tell you what your co-pays are, deductibles, out of pocket max, etc. It should also tell you if there are any exclusions that the employer has requested. Just because the insurance company covers it, does not mean that your particular policy covers it. Also, if you have been without insurance, you may have a pre-existing clause. Obvioulsy, obesity would fall under this. That means that there may be a period of time, some up to 18 months, that any pre-existing conditions would not be covered during that time frame. Calling customer service for the insurance company may not be all that helpful as the person may not know or have access to all the details of your policy. And some just plain old don't even look. You really need to review your benefit booklet. This should be provided by your/your spouse's employer. Let me know if you have any add'l questions. I work for BCBSNC and have (and still do at times) review gastric bypass surgeries so I'm very familiar with the process. Sue
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