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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)
Blue Cross North Carolina
Please contact us at (615) 342-1231 to FAST TRACK.
Blue Cross Pennsylvania Capital
Blue Cross Pennsylvania Highmark
Blue Cross Pennsylvania Independence
Please contact our office at (615) 342-1231 to FAST TRACK.
Blue Cross South Carolina
Please contact our office at (615) 342-1231 to FAST TRACK.
Blue Cross Tennessee
Many BC of Tennessee plans do not cover bariatric surgery. This criteria is for standard Blue Cross of Tennessee plans that do cover bariatric surgery.
Blue Cross Tennessee - Baptist, St. Thomas, MTMC Employees
Criteria for employees and dependents covered through Baptist, St. Thomas and MTMC hospitals.
Blue Cross Tennessee - State of Tennessee Employees ONLY
This criteria applies to those employees and dependents covered through the Blue Cross State Employees insurance plan.
Blue Cross West Virginia Mountain State
Champ VA
Please contact our office at (615) 342-1231 to FAST TRACK.
Cigna
This is the standard criteria for most Cigna plans that cover bariatric surgery. If you are a State of TN employee, please see the criteria for State of TN employees.