Before financing weight loss surgeries, such as gastric bypass, insurance companies generally require patients to provide documentation of weight-related health issues and proof of participation in a doctor-supervised weight loss program, notes WebMD. Insurance companies usually require patients to undergo psychological and nutritional evaluations as well.
Surgeons who approve patients for weight loss surgery must submit a preauthorization form to the insurance company. The form must outline the patient's full medical history and include detailed information about the specific health problems the patient suffers from due to his obesity, explains WebMD. Physicians must also verify that the patient completed all the requirements necessary to receive the surgery. Once the insurance company receives this documentation, it may request additional information or diagnostic tests, such as a cardiac exam or sleep apnea evaluation, before making a decision.