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Cost Of Bariatric Procedures And Payment Options

Worried About Paying for Your Procedure?

Many patients have insurance coverage for the procedures. However, in the current environment the deductibles and co-insurances are high and patients may have few thousand dollars of out of pocket responsibility even when insurance covers the procedure. There are many patients whose insurance does not pay for weight loss procedures. Majority of our patients feel that they should have done the procedure sooner once they experience life after weight loss surgery.

Don’t let the cost keep you from taking steps to a healthier and active life you want and deserve. Investing in your health, well being and longevity is the best investment you can ever make. Weight loss procedures such as Gastric Sleeve, gastric bypass, lap band or gastric balloon can help improve or eliminate your health conditions related to obesity such as Type 2 Diabetes, Sleep apnea, High blood pressure, Joint pains etc, reduce your out-of-pocket cost of medications, doctor and hospital visits and also eliminate lifestyle costs associated with obesity such as time off work for illness and injury, plus-sized clothing prices and others.

Whether you need to finance your deductibles or the total procedure costs Nuself Bariatrics has self-pay options that can help. We’ve partnered with many leading medical financing lenders to provide you with an easy way to finance your weight loss surgery. Our practice also accepts a variety of payment methods including cash, credit card, Health Flex Savings Account (HFSA), and your 401K.

Nuself Bariatrics Self-Pay Packages

Gastric Sleeve Includes:

Gastric Sleeve Self-Pay Package as low as $350 a month with financing*

  • Your initial consultation with surgeon
  • Cost of sleeve surgery, standard hospital fees, standard anesthesia fees
  • Registered Dietitian visit, Pre-op appointment
  • Follow up appointments for 1 year
  • Postoperative support and care in our office
  • Support group meetings for life

Obalon Gastric Balloon Includes:

Obalon Gastric Balloon Self-Pay Package as low as $199 a month with financing*

  • Your initial consultation with surgeon
  • Cost of 3 balloon swallows with 3 balloon packs
  • Radiology fees for 3 visits
  • Cost of standard balloon removal at 6 months after placement
  • Registered Dietitian visit
  • Follow up appointments for 1 year
  • Postoperative support and care in our office
  • Support group meetings for life

LAP-BAND® System Package Includes:

LAP-BAND® System Self-Pay Package as low as $350 a month with financing*

  • Your initial consultation with surgeon
  • Cost of lap band surgery, standard hospital fees, standard anesthesia fees
  • Registered Dietitian visit, Preop appointment
  • Follow up appointments for 1 year with unlimited fills within 12 months from date of surgery
  • Postoperative support and care in our office
  • Support group meetings for life

Gastric Bypass Package Includes:

Gastric Bypass Self-Pay Package as low as $500 a month with financing*

  • Your initial consultation with surgeon
  • Cost of bypass surgery, standard hospital fees, standard anesthesia fees
  • Registered Dietitian visit, Preop appointment
  • Follow up appointments for 1 year
  • Postoperative support and care in our office
  • Support group meetings for life

*Estimated monthly payments for those who qualify with one of the third party financing options we accept. Prices may vary and subject to change without notice. Please check with our office staff for current pricing information but note that accurate pricing can’t be provided until we are able to fully assess the patient in our office and determine an accurate treatment plan. The prices provided on this website are approximate estimates only. Loan approvals depend on your credit history. Loan approvals are solely at Lenders discretion and Nuself Bariatrics does not participate with the lender in the approval process.

Financing help and options

We have partnered with several leading medical financial institutions that offer competitive interest rates, terms up to five years and a quick approval process. You can apply by phone or online with the following lenders. You may apply for a loan amount larger than you think you need. You will be charged by the lender only for the amount of the loan you utilize and not based on the amount approved for the loan.

Prosper Healthcare Lending

  • Prosper HealthCare Lending is one of the premier financing companies in the medical industry. Some of the benefits with a loan from Prosper HealthCare Lending include fast and easy loan inquiry, immediate decisions for our procedure cost needs, no collateral or prepayment penalty and is 100% confidential.

CareCredit

Tax Deductible

The entire cost of your bariatric surgery, approved weight-loss drugs and nutritional counseling may qualify for tax deductible write off as a qualified health care expense. We can give you a letter of medical necessity to qualify for a tax deductible write-off. The IRS allows taxpayers undergoing medical procedures to deduct expenses when it is medically necessary. Talk to your tax professional or CPA about how tax deductions can help you and your weight loss surgery process but in general deductions are allowed for uncompensated expenses of treatment cost that is more than 7.5 percent of adjusted gross income.  Link to the IRS publication is below here:

 

 

 

Medical Spending Accounts

Some or all of the costs associated with a weight loss program may qualify for reimbursement by an FSA/HSA plan. Check with your account administrator about your plan coverage. We can give you a letter of medical necessity to justify the expense if required.

 

The Personal Cost of Obesity

A research report by Avi Dor, Ph.D., Christine Ferguson, J.D., Casey Langwith, B.A., Ellen Tan, M.Sc. at Department of public health at George Washington University published in 2010 concludes the following.

  • The overall, tangible, annual costs of being obese are $4,879 for an obese woman and $2,646 for an obese man.
  • Annual costs including value of lost life are $8,365 for obese women and $6,518 for obese men.
  • The above costs DO NOT include increased cost of obese lifestyle such as food, clothing and airline travel expenses.
  • As a result, total incremental costs for obese individuals are 15 times higher than the total costs for overweight individuals, irrespective of their gender and employment status.

It is clear based on this research and many others that the cost of the procedure pays itself off in about 2 years at an individual level, not counting savings for insurance companies, employers and so on.

Interestingly if you approach your health purely from an investment standpoint – If you are a female over 35 BMI and delayed bariatric surgery by 5 years then you would have lost $41,825 versus if you had surgery without delay you would save $27,825 after deducting the typical surgery cost and that is not including IRS tax deduction for weight loss surgery expenses.