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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)
HCA Employees - Aetna Insurance
Please contact our office at (615) 342-1231 to FAST TRACK.
Humana Criteria
Standard Humana criteria; does not apply to HCA employees and their covered dependents (please see HCA specific criteria)
Humana HCA Employees
This criteria applies only to HCA employees and their covered dependents with Humana insurance. Contact our office at (615) 342-1231 to FAST TRACK!
Tricare South
Contact our office at (615) 342-1231 to FAST TRACK!
Unicare
Contact our office at (615) 342-1231 to FAST TRACK!
United Healthcare
Standard criteria for United Healthcare. Depending on your employer, you may be eligible for FAST TRACK, call our office at (615) 342-1231 to check for eligibility.
United Healthcare - Optum
This criteria is specific to the following employers: T-Mobile, State of Georgia, Wells Fargo, Konica, Minolta Imaging employees. The patient must contact the Optum Case Manager to start the process before sending any records to our office.
United Healthcare - River Valley
United Healthcare - VF Imagewear Employees
Criteria specific to those covered by the VF imagewear policy. Contact our office at (615) 342-1231 to FAST TRACK!