A laparoscopic adjustable gastric band, which is commonly known as a Lap Band, is a procedure in which a silicone device is surgically placed on the top part of the stomach in order to control the amount of food a person’s stomach can contain. This procedure is used to treat obesity and assist in other problems related to obesity such as diabetes, hypertension and osteoarthritis. This procedure can be quite expensive and many feel that while it will help them greatly, they do not have the money available.
Here are some suggestions on options that are available to be able to pay for this procedure. One option to consider is to find out if lap band surgery financing is available. Many doctors work with healthcare lenders who can provide information on financing plans. This will allow you have the procedure and pay for it over time. Lap band financing is usually done through particular lending companies and many times can be found at low interest rates.
There are even financing companies that deal with this specific procedure, such as Care Credit, so doing some research to find these institutions can be very helpful. Another financing option is to apply for a loan through a bank or credit union. You may be eligible for one of their loans or, if you own a home, you maybe able to take out a home equity loan or a line credit. In addition, check with your insurance company.
Many insurance companies have coverage for this procedure or at least a percentage of the cost. Whether or not the insurance company will cover it will depend on the company, the type of health plan you have and state policies. While many will cover it, they may require proof that other weight loss methods have been attempted. Other companies may only cover it if it is a medical necessity and you also must meet the eligibility requirement set forth by the National Institute for Health.
If you are a qualified candidate for the Lap-Band surgery, but cannot afford an upfront payment there are still other lap-band financing payment options to consider and look into to help you receive your treatment and improve your health.
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