Surgical BMI Calculator Calculate Your BMI Lap Band: In order to qualify for a gastric band (Lap Band) your BMI has to be 30 or higher. Usually insurance does not cover surgery until a BMI of 35, but there are self-pay options available. Call 513-259-2555 for more information and assistance with the self-pay process!Lap Band, Gastric Sleeve, and Gastric Bypass: If you have diabetes, hypertension, high cholesterol, or sleep apnea, then your insurance may cover Lap Band, Gastric Sleeve, or Gastric Bypass if your BMI is 35 or higher. Self-pay options are available for patients with a BMI below 35 if deemed medically qualified. Lap Band, Gastric Sleeve, and Gastric Bypass: If you BMI is 40 or higher, your insurance may cover surgery even if you have no weight-related medical problems. Gastric Balloon: If your BMI is 30-40, you may qualify for a non-surgical gastric balloon procedure. We do not generally recommend gastric balloon for patients with a BMI over 40, but we do offer it in some cases. Call 513-559-1222 (extension 1) if you need help determining if your insurance will cover weight loss surgery. If you are self-pay and interested in financing options click here.