If you are significantly overweight and traditional weight loss methods have failed to be effective for you, Lap Band surgery might be a good way for you to finally lose your excess weight. Lap Band Surgery is a minimally invasive surgery that uses a gastric banding system to restrict the amount of food your body can absorb by creating a smaller stomach surface area. This leads to an effective and sustainable long term weight loss solution without any cutting or stapling of the stomach. As you are probably already aware, the Lap Band procedure can be very expensive and it isn't always easy to come up with the money to pay for it, especially if you have bad credit. The cost of the surgery depends on a variety of factors including the surgeon performing the procedure, the hospital or surgical center you use, and the specifics of your personal health situation. In general, you can expect the total cost to fall somewhere in the range between $11,000 and $28,000 by the time everything is accounted for.
Depending on your insurance provider, they may cover some of the costs. If your insurance provider does not provide coverage for this type of procedure, there are several other private financing options you can take advantage of to pay for your surgery. In the long term, you may very well find that it ends up paying for itself in terms of the money you will save on future insurance premiums and health care costs.
If you have bad credit, financing you Lap Band surgery is often times a little more difficult. One option is to take out a personal loan from a company that specializes in providing loans for surgery. You may find that you have to pay a little bit higher interest rate this way so it can pay to shop around for the best deal. The good news is that most of the time, even people with bad credit can get financing through either a private lender or through programs such as Care Credit. Care Credit is one of the largest medical patient financing companies in the country and can provide full financing for all of your surgery related costs up to $25,000. Most medical financing companies will allow you to apply for a loan free of charge so you can see if you qualify. If you are still having trouble or you have extremely poor credit, you can think about using a co-signer or contributing a down payment with a credit card. You may also want to take the time to consult with your doctor to see if they offer any kind of payment plan that you might be able to sign up for. Most doctors will be willing to work with you to arrive at a financing solution that will allow you to fund your Lap Band procedure so you can quickly get on the road to looking your best again. Even though it may seem like a difficult task to secure the money you need, think about how happy you will be when you finally get rid of that extra weight!