Weight loss surgery isn't considered "necessary", at least not yet. It is considered a voluntary surgery.
But yes, like Mcdoja had said, the surgery is an investment for them. My mother has type 2 diabetes, on average, we spend somewhere around 300-500 dollars a month on her medication/tests/doctor etc. Our insurance pays 85% of the cost. So if we're spending around 400 dollars, the insurance is spending a little over 2,200 dollars. That's one month. For a year, that comes out to 26,000 dollars. My mother has been diabetic for 8 years, and let's say she lives to be 65. That's 23 years of spending 26,000 dollars. That's 600,000 dollars, OVER HALF A MILLION.
And that's not including complications that can arise, Heart issues, Blood pressure issues, sleep apnea, Amputation, hospital visits, all of which could easily arise to a million dollars, for one person.
That being said, they want to make sure that we will be successful with this surgery, which is why they send us through the hoops, because they want us to succeed, and they want their 64,000 dollar investment to be worth their while. Trying to save a million dollars.