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The OPERATE Project:
Morbid Obesity, Surgery and Insurance
  Insurance coverage to treat obesity is not easy to get. Some insurers deny any type of coverage to persons with obesity or charge a high premium. Surgical treatment for obesity was starting to gain ground with insurers, but now there is more backpedalling and retracting of such policies.

The AOA has put together this special section to help you to understand morbid obesity and the need for surgery to treat qualified patients.


Learn about the OPERATE Coalition

OPERATE was created by the American Obesity Association to bring together a coalition interested in seeking solutions to ensure that surgical treatment of obesity reach the appropriate patients.

  • Find out more about OPERATE and how you can help.


  • Get the Details and AOA Comments

    The AOA has compiled information from various sources to present evidence on the safety and effectiveness of surgery to treat obesity.



    Personal Stories


    Many people have written to us to share their stories of dealing with insurance companies for surgical treatment of obesity. Read their stories below.

    If you would like to share your story, please submit it to mysurgerystory@obesity.org

    • Surgery Story #1

      My family desperately needs your help! Blue Cross Blue Shield of IL is discriminating against my husband because of his obesity diagnosis.

    • Surgery Story #2

      Hello, I am 31 years old, 5'10' and weigh close to 400 pounds, and have struggled with obesity since I started school. I am from Calvert City, KY. I am currently fighting my insurance company for a referral to a bariatric surgeon. I have already been turned down once but I will not stop.

    • Surgery Story #3

      I am currently 29 years old. I have been overweight my entire life. I think I was six when the doctors first wanted to put me on a diet.

    • Surgery Story #4

      Compared to the guy who can't get his insurance company to pay for heart surgery, I realize I don't have much to complain about. But today something happened that surprised me.

    • Surgery Story #5

      Non-compliant. That is the new word I find applied in my direction lately. Before fat, lazy, undisciplined were more the words I was used to, this new one has given me some new thoughts on being morbidly obese.

    • Surgery Story #6

      Hi there. I am a 30 year-old woman with 2 beautiful, pretty healthy children and I should be the happiest woman in the world. I am not. I have a problem. I am morbidly obese. Geez, I hate that word. It just makes my skin crawl.


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    This web site was last updated on May 2, 2005.