The only way to know is to ask. Find out whether your insurance company ever covers weight-loss surgery, and, if so, what restrictions and requirements it has. Some tips: 

• Get the name and position of the insurance representative you are talking to. 
  
  
• Whenever possible, get information in writing. 
  
  
• Don’t think your primary doctor or surgeon can “get around” an insurance policy that doesn’t cover weight-loss surgery, or that if your plan covers surgery it will cover this particular surgery. Neither belief is likely to be true. 
  
  
• If your insurance doesn’t cover weight-loss surgery, ask your company if they might change insurers in the future. You may also want to look at other insurance options during the next open enrollment period.
  
  
• If there’s really no chance for insurance coverage, consider paying for the surgery yourself. Financing options are usually available. After all, which is more important: a new car or a new life? If you go this route, find out whether your insurance would cover complications that might arise from the surgery, such as a blood clot or pneumonia. While the surgery might be affordable in your budget, complications may not be.