Based on your details—22 years old, 6’4” in height, and weighing 295 pounds—your Body Mass Index (BMI) is approximately 35.9. Insurance coverage for gastric bypass surgery typically follows the criteria set by the National Institutes of Health, which generally approve surgery for patients with a BMI of 40 or higher, or a BMI of 35 and above if there are significant obesity-related health conditions such as type 2 diabetes, hypertension, or sleep apnea. With a BMI of 35.9, you may qualify for coverage if you have at least one of these related health conditions. If you do not have any comorbidities, many insurance providers might not approve the procedure, though this can vary depending on your policy and your state. Other factors, such as documentation of prior weight-loss attempts, a psychological evaluation, and medical clearance, are also part of the approval process. I recommend reviewing your insurance policy and consulting with a bariatric surgeon, who can evaluate your overall health and assist with the insurance process. While your BMI places you in a potential eligibility range, a formal consultation will give you the most accurate answer for your individual situation.