It does depend on your employer/insurance agreement. I have Anthem Blue Cross PPO. I just found out that they don't cover weight loss surgeries under my union plan. And believe me, I cried all day and night. My job offers 3 different insurance plans. The one that pays 100% is Pacificare HMO. I am going to switch during open enrollment which is in October. (Ugh!) But I am scared that a HMO won't approve the surgery so easily.