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We understand the insurance approval process can be a challenging experience. One key focus of the Centennial Experience is to provide you with assistance needed to successfully navigate the approval process.
Our surgeons and medical center are in-network providers for most insurance plans. Insurance benefits and criteria for weight loss surgery can vary greatly by plan and by employer. We will verify benefits and criteria specific to your plan. Most insurance companies base their criteria on the NIH guidelines:
- BMI of 40 or greater
- BMI of 35-40 with significant co-morbidity
- Documented dietary attempts ineffective
- Multi-disciplinary team approach
- Life-long medical surveillance
These requirements only apply if surgery is a covered benefit under your policy. Some policies have exclusions which means your insurance plan does not cover these services. This list is subject to change without notice from your insurance company. Click here to download more information about these companies.
Can I Afford NOT to Have Surgery?* Click here for the affordability calculator >>
Not everyone has insurance coverage for weight loss surgery. If paying for surgery yourself, we realize “what if” may be a concern. Our surgeons are the first in Tennessee to include coverage of surgery related complications for our self pay patients. This coverage provides our patients with the peace of mind to proceed with surgery. Our self pay rate for gastric banding, vertical sleeve gastrectomy and gastric bypass includes the coverage of complications or readmission to the hospital for 90 days after your procedure.
The cost of band adjustments (frequently referred to as “fills”) is not included. The cost for adjustments is $250.00. You can anticipate the need for approximately four adjustments in the first year after surgery.
| Gastric Band* | Sleeve Gastrectomy* | Gastric Bypass* | Duodenal Switch | |
| Hospital | $ 10,200.00 | $ 14,450.00 | $16,450.00 | $19,500.00 |
| Anesthesia | $ 1,100.00 | $ 1,950.00 | $ 3,200.00 | $ 3,050.00 |
| Surgeon | $ 3,600.00 | $ 4,600.00 | $ 5,600.00 | $ 7,000.00 |
| Total | $ 14,900.00 | $ 21,000.00 | $25,250.00 | $29,550.00 |
| Radiology | $ 34.00 | $ 34.00 | $ 34.00 | $ 34.00 |
*Gastric banding, Sleeve gastrectomy and gastric bypass fees include the coverage of complications or readmissions related to surgery for 90 days after your surgery
Most importantly, our self pay rates include unlimited access to our registered dietitians, exercise physiologist, support groups and our Psychological Support Program. Some patients choose to borrow against their 401K plans or to utilize home equity loans. If you need assistance with financing your surgery, we work with several healthcare finance companies.
Financing is available through:
- Chase Health Advance -- Call 1-877-280-2547 (see banner to the left)
- Surgery loans -- Call 1-888-502-8020 or apply online www.surgeryloans.com
- LAP-BAND -- Call 1-866-LAP-BAND (527-2263)
Aetna Criteria for HCA Employee Plan
This includes the criteria for HCA employees and their dependents covered through Aetna insurance. *Note to begin the three month surgical prep program, please contact us at 342-1231.
Aetna Insurance Criteria
Not all Aetna plans cover bariatric surgery. Please provide a copy of your insurance card for verification of coverage.
Blue Cross Anthem
Blue Cross Anthem criteria includes Kentucky, Virginia, Wisconsin, Ohio, California, Georgia, Missouri and New York Empire. Contact our office at (615) 342-1231 to FAST TRACK.
Blue Cross Federal Employee Plan
Insurance criteria for federal employees. Please contact our office at (615) 342-1231 to FAST TRACK.
Blue Cross Maryland Care First
Blue Cross Massachusetts
Please call our office at (615) 342-1231 to FAST TRACK.
Blue Cross Michigan
Please call our office at (615) 342-1231 to FAST TRACK.
Blue Cross Nebraska
Please call (615) 342-1231 to FAST TRACK.