Horizon BCBS of NJ and Sleeve Gastrectomy
People can pay for the surgery themselves if their insurance does not cover it. I have horizon BC/BS and had the surgery back in January. I guess it differs upon the individual plan terms and conditions, however whether or not they cover it.
Have you gone for a consult yet with a doctor? Sometimes they call people and get more precise insurance information. I had to go through several steps and meet certain conditions for them to cover it, but finally they did cover it.
I have the same insurance and they cover WLS at 100% if you're in network, 80% if you go out of network. The requirements weren't tough to meet either. Some companies make you wait 6-12 months but I had surgery less than 3 months after my initial consultation. Most of the requirements I had to complete were imposed by my doctor's program. My doctor has someone on staff whose job it is to liaise with insurance and break the numbers down, so I would recommend finding a practice with someone like that. Insurance makes no sense to me, so I was very happy to have someone else worrying about the logistics.