National Bariatric Link explains that a person needs to have a body mass index above 40 for United Healthcare insurance to cover weight loss surgery. If the person doesn't have a BMI over 40, a body mass index above 35 with type 2 diabetes, cardiovascular disease, life-threatening heart or lung disease, and severe sleep apnea can qualify a person for surgery.
According to National Bariatric Link, Maryland requirements include, in addition to the above, proof that the patient is at least 18 years old and has participated in one dietary weight loss program for six months or two dietary weight loss programs for three months each in the past two years.
National Bariatric Link further describes the types of weight loss surgery that are covered under United Healthcare insurance. These include biliopancreatic bypass, duodenal switch, gastric bypass, gastric sleeve surgery, laparoscopic adjustable gastric bands and vertical banded gastroplasty. Laparoscopic gastric band fills, mini gastric bypass and gastric electrical stimulation are not covered. Furthermore, according to National Bariatric Link, all procedures and hospital stays due to complications are covered. In addition, if there is a need for a second weight-loss surgery because the first one fails to produce weight loss, the second surgery is also covered.