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Guide to Financing Bariatric Surgery

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A Patient's Guide To Financing Bariatric Surgery

People who are considering any of the many types of bariatric surgery should be aware that financing plans are available for these pricey procedures. This is welcome news to patients who don’t have health insurance or Medicare assistance, as most people would not be able to handle the huge financial burden of the surgery and various peripheral costs.

Weight loss surgery can range in price from $10,000 to $30,000, depending on the type of procedure that is most appropriate for the patient. Even patients who do have some form of health insurance may still be responsible for high-co-payments. When financing options are offered, patients may receive help in paying for the surgery itself or even the co-payment – payments that are usually due in monthly installments.  In this way, patients are able to afford weight loss surgeries that are in many cases life-saving.

Financing for healthcare, including bariatric surgery, is available through a variety of companies. To get the type of loan that is best suited to your circumstances, be sure to consider all of the options available in loan, including the general terms, interest rates and credit limits. As with other loans, your monthly payment will be based on the total loan amount, the term of the loan, and the interest rate. It’s not difficult to find lending companies online that will help you through the loan application process.  If you do an Internet search for “patient financing” you will come up with a lengthy list of companies and agencies that offer loans specifically targeted to surgical and medical procedures. With so many options to choose from, you can do some serious comparison shopping.

The initial phase of a loan starts with the application, which many lenders will allow you to complete online. Once your financial status is reviewed, including your current income, credit history, your assets and liabilities, and the amount of credit you currently have, the company will be able to determine if you are a good credit risk and should be approved for the amount you have requested.

Weight loss surgery is expensive, and you must be prepared to handle this financial obligation. As you search for the best loan and compare prices, keep in mind that there is no set price that you should be paying. Of course, every bariatric surgery patient will need different types and amounts of treatment, so the total medical costs will be different for everyone. Essentially, the cost of a weight loss surgery will be determined by a number of factors, including the type of procedure, the experience of your bariatric surgeon, the geographic area you live in, and the type of pre-operative, post-op and other follow-up care you will require.

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