Lapband is covered by most PPO insurances! In fact, the FDA has lowered the BMI requirement for lap band patients to 35. Lap band Aetna insurance sometimes requires patients to undergo a nutritional evaluation which involves a supervised three month diet in order to determine their coverage. When considering the surgery, it is important to know the lap band risks and feel 100% comfortable with your bariatric surgeon. Once you have all of the facts, you can choose the option that is right for you.