Patient
Financing
for
Lap
Band
Patient
Financing
There
are
more
and
more
financing
options
available
than
ever
before,
making
weight
loss
surgery
procedures
affordable
for
those
who
might
not
have
considered
it an
option.
Because
most
bariatric
surgery
procedures
are
not
covered
by
all
health
insurance
companies,
financing
for
lap-band
surgery
is
often
the
only
means
by
which
patients
can
afford
the
procedure.
Financing
Alternatives
Many
financing
alternatives
are
available,
from
installment
plans
arranged
through
your
surgeon's
in-house
finance
program,
to
credit
obtained
from
outside
finance
companies
that
have
partnered
with
your
surgeon.
Weight
loss
surgery
financing
is
usually
available
regardless
of
the
type
of
procedure
performed.
Monthly
payments
vary
based
on
the
cost
of
the
procedure,
the
length
of
time
needed
to
repay
the
loan,
and
your
credit
rating.
If
your
bariatric
surgeon
does
not
offer
a
medical
financing
option,
you
may
want
to
contact
a
medical
finance
company
directly.
Finance
companies
can
provide
a
list
of
surgeons
who
participate
in
their
network.
This
list
does
not
endorse
or
reference
the
qualifications
of
each
surgeon,
so
you
need
to
carefully
research
the
capabilities
of
each
surgeon
independently
of
the
financing
information.
Many
bariatric
surgery
financing
programs
will
only
work
with
certain
physicians,
although
a
growing
number
of
finance
companies
allow
you
to
choose
your
own
surgeon.
Payment
Tips
Here
are
some
tips
to
consider
when
thinking
about
how
to
pay
for
weight
loss
surgery:
-
Check your health insurance to find out what, if any, procedures may be covered under your plan. Some procedures that address health risks, such as repairing physical deformities and reconstruction after an injury, may be covered.
-
Find out if your procedure can be reimbursed under your health plan terms. Often your surgeon can make the health benefits more apparent to your insurer so that it is covered.
-
Ask your surgeon about financing the procedure and find out the terms.
Cost
Factors
You'll
find
that
more
experienced,
better
trained,
and
more
highly
skilled
bariatric
surgeons
command
and
receive
higher
fees.
These
surgeons
also
increase
your
chances
of
higher
quality
care
and
less
risk
of
complications.
Procedures
performed
in
hospitals
tend
to
cost
more
than
in an
office-based
surgical
suite
(though
this
does
not
impact
quality
of
care
if
you
are
using
an
accredited
office-based
facility).
Procedures
in
the
Northeast
and
West
Coast
also
cost
more,
followed
by
the
Central
and
Southern
states
where
there
is
less
demand.
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