Tuesday, April 16, 2024

Guaranteed Financing For Weight Loss Surgery

Health Insurance Coverage For Weight Loss Surgery

Financing Weightloss Surgery

If you have individual or employer based medical insurance coverage you should check your plan to see if it covers weight loss surgery. If it does, most insurers will approve your procedure if you meet their requirements for qualification. Most policies will cover the costs associated with gastric sleeves, gastric bypass surgeries, duodenal switch surgeries and Lap-Band procedures. Your surgeons office will call your insurance company to verify the details of if your plan covers. They will also pre-certify your procedure.

Medicare and Medicaid will cover weight loss surgeries. However, you must be referred by your primary care provider or attending physician. Your provider of choice must be included in the Centers for Medicare and Medicaid Services directory. The weight loss surgery benefits for weight loss procedures include the following:

  • Laparoscopic Lap Band surgery

401 Loan

No person wants to tamper with their retirement fund. However, when you need a viable weight loss finance option dipping into your retirement could afford you the financial relief you need. If you decide to borrow money from your 401 you are essentially borrowing money from yourself. You will make monthly payments on whatever amount you choose to borrow. You will have to repay the loan with interest.

Weight Loss Surgery Payment Plans And Financing Options

We are committed to putting quality bariatric care in reach for self-pay patients. If you do not have health insurance coverage for weight loss procedures, or if you would like to avoid the requirements of your insurance plan, we can help. We partner with independent medical lenders to offer easy payment plans and budget-friendly financing options.Learn More About Self-Pay Financing Options

Why Finance Bariatric Surgery Procedures

United Credit helps connect borrowers with bariatric surgery financing through our lender network to help patients achieve their weight loss goals.

Bariatric surgery financing is a great solution for people who:

  • Want to defray the typical cost of gastric sleeve surgery and other options for surgical weight loss procedures
  • Need to safeguard their personal finance goals, save money, protect their savings accounts or retirement
  • Have had their bariatric procedure pre-approval denied by their health insurance company

We believe your finances shouldnt be a barrier to the life you deserve. Thats why we help connect you with bariatric loan options that fit your budget and lifestyle while helping you achieve your dreams.

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Peer Loans Can Be Your Best Option To Finance For Weight Loss Surgery With Low Rates And Fast Funding

My wife and I used to love watching The Biggest Loser on TV. Watching the contestants transform themselves to become everything they had always wanted was not only good entertainment but gave us a sense of hope every week.

I was always amazed at how much it took to lose all that weight. Contestants make diet and exercise their job for months, putting in five to seven hours in the gym every day and eating next to nothing.

Most people dont have the luxury of dedicated personal trainers and a million-dollar gym. For many people, even exercising hours a day and watching what they eat wont be enough to lose weight.

For those and for those people that just need a little help, weight loss surgery has always been a viable option. The average person reports losing between 30% to 40% of their excess weight in just six months after bariatric surgery. That means losing 100 pounds for the 250-pound patient and even more weight loss at the one-year mark.

While weight loss surgery is an option, its not a cheap one.

Traditional banks wont help and insurance companies will put up every hurdle to disqualify you as a candidate. Even if your insurance covers some of the surgery cost, youll still be looking at thousands of dollars in copay and deductibles.

This is what my cousin encountered when she decided to have the surgery. After being told no by every bank in town, she turned to peer-to-peer loans and was able to get the money in less than a week from the PersonalLoans platform.

I Need Weight Loss Surgery But Cant Afford It

Gastric Sleeve Surgery in Tijuana Mexico

Question Below Submitted By:

Tania King

I am a 39 yr old who has been desperately needing weight loss surgery but I am cut down every way I turn because Im told that I dont have a life-threatening illness.

Apparently Im not being considered because I dont have diabetes or high blood pressure and because I am active.

My partner lost her job, my hours have been cut by 30 per pay period and I cant afford to pay for surgery on my own. Im also told that I need to see a psychiatrist as I may not be mentally ready either.

Im told too many differing things and I just want my life back. Is there anyone willing to give me a chance and help me?

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What Are The Benefits Of Bariatric Surgery Financing

Weight loss surgery financing can help you regain your health and active, joyous life. By spreading the cost of your weight loss procedure over time, financing for bariatric surgery offers a huge positive impact on your health without jeopardizing your long-term financial goals. Here are a few reasons United Credits bariatric surgery financing options may be the right choice for you!

  • Never any prepayment penalties
  • Loan amounts from $500-$25,000, with approval as soon as the next business day
  • Our network of bariatric surgeons and surgery centers assures you can find a qualified physician who will accept your financing, or we can enroll your preferred surgeon
  • Our network of medical financing companies can connect you with a loan option and monthly payment plans that fit your budget
  • No worries about whether your insurance plan will cover your surgery cost or hassling with your insurance provider
  • No worrying about how your surgery provider will get paidour lenders make sure the money transfer is made directly to your doctor so you can take care of yourself

Gastric Lap Band: $2000

If you choose this bariatric surgery route, you will have a gastric sleeve to reduce your stomach size. Your intestines are then altered, which helps reduce the calories that are absorbed when eating. Additionally, fewer hunger-stimulating hormones are released, which will help reduce your appetite.

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Financing And Healthcare Costs For Patients

The chart below from the Bariatric Surgery Source shows what you can expect each of the surgeries to cost if your insurance company will help cover bariatric surgery.

Insurance companies will vary in coverage, so be sure to contact them to find out about their terms and conditions. If youd like to browse a range of popular insurance providers, click here.

Medical Finance Options For Weight Loss

Financing Options for Plastic Surgery with Dr. Dallas!

When you are faced with the reality that you need weight loss surgery, it is not like you have a choice in the matter. Many people who are told they need bariatric surgery have also been told that they dont have a lot of time to waste to make a decision.

What is a Medical Loan for Weight Loss?

A medical loan for weight loss is a type of loan product issued for the sole purpose of helping people pay for weight surgery. Nothing is worse than finding yourself in a situation where you need to pay for a medical procedure and no ability to pay for it. Unfortunately this is a scenario many people face every day.

Often times people find that many traditional financial service companies can be somewhat insensitive to the plight of the person in need of weight loss medical finance options. Even worse than that, people in general fail to realize the person needing a medical loan for weight loss surgery is doing so because their life is hanging in the balance.

There are companies that will loan money to people who have been denied coverage by their insurance companies. Some which will help you if you dont have the cash needed to pay for your weight loss surgery. These companies will provide a medical loan for weight loss for the following procedures:

  • Mini gastric bypass
  • Gastric bypass surgery
  • Roux-en-Y surgery

When looking for a lender, you need to be very careful and do your research. Make sure you are choosing the best option for you.

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Finance Options For Surgery

Paying for these expensive surgeries can either be done one or two ways, the first being a Payment before your operation. This option is considered for those who have existing savings to pay off the surgery beforehand. We understand that this may not be an available option for all, which leads us to the second option paying after your surgery. Not every person has the available funds to pay up front for surgery, luckily there are a number of reputable EXTERNAL finance companies available that may be able to assist you with payments.

Other Options To Paying For Weight Loss Surgery

There are several other ways to finance weight loss surgery besides a personal loan. The most common is through private insurance though this requires you to have a BMI of over 40 and be approved by your doctor.

Medicaid may cover the cost of weight loss surgery but has different criteria compared to most insurance plans. You need to be over the age of 13 or 15 and qualify for Medicaid through income limits. You also need a BMI of 35 or higher and at least one comorbidity like high blood pressure, sleep apnea or diabetes.

Crowdfunding is also an alternative way to finance for weight loss surgery but can be a lot of work. Think of how much work goes into managing a non-profit charity and that is what has to go into a crowdfunding campaign.

  • Pre-launch your crowd campaign by reaching out to friends and family about your need for weight loss surgery
  • Create your crowdfunding page with a compelling argument about why people should help pay for your surgery
  • Reach out to people personally to fund your campaign through social media and in-person contacts

While paying for your bypass surgery through crowdfunding will mean you wont have to repay your money, most campaigns dont reach their target amount. Nearly two-thirds of crowd campaigns dont raise enough money and running a campaign will take at least a month.

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Compare Rates From Top Lenders

The process couldnt have been any easier. I filled out a short form that took me less than 2 minutes and within seconds I got multiple offers from lenders.

– Mike T.

It was important to me that I could review my offers without any impact to my credit score, before deciding on the best loan option.

– Carol R

I like the easy online and 100% paperless experience of Acorn Finance. I received my money two days after completing my application.

What Are The Pros And Cons Of Gastric Bypass Surgery

Gastric Sleeve Surgery in Tijuana Mexico

Gastric bypass surgery is not for everyone. You should talk to your doctor to make sure you are in well enough condition for an invasive surgery like gastric bypass surgery. Even if you get the green light from your doctor, there are other pros and cons you should consider before following through with the procedure.

Let us take a close look at what the pros and cons of gastric bypass surgery are:


  • Rapid weight loss due to the decreased capacity of food in your body..
  • Reduction of excess body weight by an average of up to 75% in one year.
  • Resolve Type 2 diabetes in 90% of individuals who have the procedure.
  • An increase in overall health and quality of life.


  • Increased risk of small bowel obstruction, internal hernia, and ulcers.
  • Can induce instant bathroom use with a rapid gastric emptying after food consumption.
  • Other symptoms include abdominal cramps, confusion, diarrhea, mood changes, nausea, sweating, vomiting.

In addition to many of these symptoms that could occur, you will notice what foods will upset your stomach and result in these types of reactions. By avoiding foods that cause reactions, you can evolve your diet to only consist of foods that do not agitate your gastric system.

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How We Work With Clients

Our weight loss approach

At Shulman Health and Weight Loss – we understand everyone loves food and we want you to enjoy! Our programs are filled with delicious whole foods that boost your metabolism at any age, any stage. Real foods, real results. Our focus is on quality calories, hormonal balance and optimal digestion. Our personalized approach helps to put the “puzzle pieces” of you and your health goals together making sure you look and feel your best for life.

virtual or in person programs

We offer both virtual or in person weight loss programs. Thousands of Canadians are now reaching their goal weight from the comfort of their own home. As a member of our virtual or in person programs -we will be working with you live 1 on 1 to help you reach all your weight loss and health goals. Whether you have 5, 15 or 50 pounds to lose -our easy to follow and delicious programs will get you there. To book a free health and weight loss assessment, click here.

Financing Your Weight Loss Surgery

The up-front cost of Weight Loss Surgery can be extensive, we understand patients may struggle to pay it all upfront. Therefore, we at Healthier Weight have a partnership with Chrysalis Finance to allow our patients to spread the cost over plans up to 5 years long. This way our potential patients can continue to begin their journey to change their life around without the pressure of paying for their surgery all at once.

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Other Options For Financing Your Bariatric Surgery

Instalment payment plan. Be Slim Bariatrics give the patients the opportunity to pay periodically according to their budget or to set up an auto payment plan. Contact your coordinator for details on the Instalment payment plan. We allow up to one year of payment plan for our patients. Be Slim Bariatrics payment plan is affordable and practical.

Patients can also get financing by getting a private loan from their bank. Most banks will require a form of collateral before giving out a loan. It is best to contact your bank to get updated information on how to go about it.

Contact your 401k company to see what you are eligible for to enable you to pursue your weight loss goal.

You could also use your credit card or ask for a balance increase from your card company to achieve your weight loss dream. Acceptable credit cards are Visa, MasterCard & Discover.

Weight Loss Surgery Financing

Carey’s Story – Finance & Weight Loss Surgery

At My Bariatric Solutions, we understand that weight loss surgery can be costly. We know how important weight loss procedures are for our patients.

We are committed to helping individuals in need obtain the care they deserve. Many insurance companies cover bariatric procedures such as Lap-Band, Gastric Sleeve, Gastric Bypass and revisional surgeries under their plans, as morbid obesity poses a genuine health risk to individuals however, bariatric surgery covered by insurance varies for each patient. It is important that you verify with your insurance provider that bariatric surgery is covered under your policy. Our office can assist you in this process. In the case that surgery is not covered, we offer the bariatric surgery financing options below. We also offer competitive cash price packages that include all aspects of the surgery process. To learn more about our financing options or to schedule a consultation, contact us today.

We understand our patients come to us to save their lives by regaining control of their weight and obesity related health conditions, but unfortunately not all insurance companies cover weight loss procedures.

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Free Weight Loss Surgery Grant

If you are unable to afford your weight loss surgery you may be able to secure the funds to pay for some, if not all, of your procedure. The Weight Loss Surgery Foundation offers free weight loss surgery grants to people who cant afford their operations. To be eligible for a grant through this program, you must meet the following requirements:

  • You must have weight loss surgery approval
  • Be able to prove you have been denied coverage bariatric coverage by your insurance plan
  • You have to be uninsured
  • You agree to raise 10% of the funds you request by donating your resources and time to the WLSFA.

Local Payment Plans For Weight Loss Surgery

Bariatric surgery payment plans are nothing more than a fancy name for a loan. All financing options feature a company that provides upfront funding to the patient or practice. The patient then repays in installments over time.

Your local surgeon went to medical school to help obese patients shed unwanted pounds. He or she knows little about risk underwriting and collections.

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Oasis Bariatrics Financing Program

We understand our patients come to us to regain control of their weight and obesity related health conditions, but unfortunately not all insurance companies cover weight loss procedures.

Oasis Bariatrics offers wonderful weight loss surgery financing programs with several financing options. Our financial coordinators provide an array of financing resources to all of our self-pay patients. We understand discussing your personal finances may be an uncomfortable topic our financial coordinators make this process as comfortable as possible for you. We offer multiple medical financing companies that can assist you quickly and confidentially by providing you with a loan to finance the procedure of your choice.

If you have been considering weight loss surgery, but you are concerned with associated costs, please contact our offices in order to schedule an appointment with our in-house financing specialists. Oasis Bariatrics is dedicated to assisting you in finding a financial solution.

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