Lap-Band Surgery Patient Financing

Helping patients afford the cost of LAP-BAND Surgery.

Patient financing is a popular payment option that can help you pay for a wide variety of health care and medical expenses, including LAP-BAND surgery. It can help you pay for treatment and surgery that you might not otherwise be able to afford.

With the cost of LAP-BAND surgery ranging from $12,000 to $25,000 in the United States, the procedure may seem out of financial reach if you do not have health insurance coverage, your health insurance does not cover all or part of the cost of LAP-BAND surgery, or you do not qualify for Medicare assistance.

If you are in this situation, don't let financial barriers keep you from getting the medical care you need to lose weight and improve your health. There are many financing companies that specialize in offering medical loans with a quick and easy application process and a range of flexible payment plans to help you cover the cost of LAP-BAND surgery and related expenses.

Consider patient financing if:

• you do not have health insurance
• your health insurance does not cover all or part of LAP-BAND surgery
• you do not qualify for Medicare assistance
• you cannot afford to pay a lump-sum cash payment

Without insurance coverage, bariatric patients will be asked to pay the total lump-sum amount up-front for LAP-BAND surgery. With patient financing, the payment amount for the cost of surgery and associated treatment will be spread out into more manageable monthly payments.

How Patient Financing Works

Patient financing works like any standard loan or revolving line of credit, allowing you to borrow money that you pay back with interest by making monthly payments until paid in full based on the terms of the loan agreement. It is a good idea to compare loan options, such as terms and interest rates among the various companies, to find the best loan program for your situation. The monthly payment amount will be determined by the amount borrowed, interest rate, and loan term.

Healthcare Lenders

To find a healthcare lender to finance your LAP-BAND surgery, you may want to first ask your surgeon's office if they can refer you to any financing companies. In many cases, surgeons have working relationships with healthcare financing companies and can provide referrals to one or more options.

Another option is to check with your local bank or credit union about options for medical loans or personal loans. You may qualify for one of the secured or unsecured loans they offer.

The internet is also a great resource for finding "patient financing" options. The online results will list various finance companies specializing in loans for medical and surgical procedures. Some of the financial institutions that offer such loans are Apfusa, Care Credit, Citerra Financial, Credit Medical, Med Loan Finance, and Surgery Loans.

Many of the credit card companies offer healthcare-specific financing programs or special promotions as well that may suit your needs.

The LAP-BAND System Patient Financing Program

Another financing option is the LAP-BAND System Patient Financing Program. It is a program that links LAP-BAND System patients to CareCredit, a GE Money company. If your doctor participates in this program, your doctor will be able to provide you with the information. If not, you may visit the LAP-BAND System website (lapband.com) directly for more information.

Benefits of Patient Financing

Patient financing for LAP-BAND surgery is a payment solution that can help you afford surgical treatment for obesity to promote weight loss and improved health. While weight loss surgery is a significant financial consideration, it is also an investment in your quality of life and future health.

Without health insurance coverage, you may think that you cannot afford to pay for LAP-BAND surgery or that you will have to travel out of the country to find an affordable option.

Patient financing can provide a way for you to afford LAP-BAND surgery in your hometown area without having to travel out of the country for affordable options. As follow-up care and adjustments are an important aspect of achieving successful results, you are more likely to keep your appointments if your doctor is closer to home. This payment solution can end up saving you time and money as well as support successful long-term results.