Financing Weight Loss Surgery

For individuals grappling with obesity and its accompanying health challenges, bariatric surgery offers a transformative solution.

At Beltre Bariatrics, our foremost commitment is to assist patients in securing coverage for their procedure through their insurance provider. However, when navigating insurance coverage proves challenging, we stand ready to provide various financing options to ensure access to essential treatment.

Led by Dr. Wiljon Beltre, a renowned bariatric surgeon, our practice ensures that every patient in need can access weight loss surgical procedures without feeling overwhelmed by cost.

If you’re ready to embark on your weight loss journey but face financial obstacles, we are here to help. Contact us today to explore our financing options, or continue reading to learn more.

Do Most Insurance Companies Cover Weight Loss Surgery?

While many insurance companies cover weight loss surgery, coverage can vary widely depending on your specific insurance plan, policy, and individual circumstances.

In general, most insurance companies recognize bariatric surgery as a medically necessary treatment for obesity and related health conditions, particularly when other methods of weight loss have been unsuccessful.

However, insurance coverage for weight loss surgery typically requires meeting specific criteria, which may include:

  • Body Mass Index (BMI) Requirement: Insurance companies often require patients to have a BMI above a certain threshold (usually 30 or higher) and demonstrate a history of unsuccessful attempts at non-surgical weight loss.
  • Documented Medical Necessity: Patients must provide documentation from their healthcare provider indicating the medical necessity of weight loss surgery due to obesity-related health conditions such as type 2 diabetes, high blood pressure, sleep apnea, or joint pain.
  • Completion of Pre-Approval Requirements: Insurance companies may require patients to complete a pre-approval process, including consultations with healthcare providers, psychological evaluations, and dietary counseling.
  • In-Network Providers: Your insurance plan may limit coverage to surgeons and facilities considered in-network. Patients who use out-of-network providers may incur higher out-of-pocket costs.
  • Prior Authorization: Insurance companies often require prior authorization for weight loss surgery, which involves obtaining approval from the insurance company before the procedure can be scheduled.

It’s essential to thoroughly review your insurance policy and consult with your provider to understand your specific coverage for weight loss surgery.

Additionally, working closely with our team at Beltre Bariatrics can help you navigate the insurance approval process and ensure that you meet all necessary coverage requirements.

Can I Get Weight Loss Surgery Without Insurance?

Yes. We offer flexible financing plans to help patients without insurance coverage or those seeking alternative payment options manage the cost of weight loss surgery.

Explore our financing options below.

CareCredit and Lending Club Patient Financial

At Beltre Bariatrics, we are dedicated to ensuring that metabolic and bariatric surgery is accessible to all individuals in need, regardless of financial circumstances.

As an authorized provider of CareCredit and Springstone, we offer healthcare-specific financing solutions designed to make surgery affordable for our patients.

With CareCredit and Lending Club Patient Financial, you can borrow money at low-interest rates—in some cases, 0% interest—and enjoy flexible repayment terms that suit your budget and lifestyle.

Our team at Beltre Bariatrics understands that the decision to undergo bariatric surgery is significant, and we believe that cost should not be a barrier to accessing life-changing treatment. If you’re ready to take control of your weight and health through metabolic or bariatric surgery but have concerns about affordability, we are here to help.

Prosper Healthcare Lending

As a leading financing company in the bariatric industry, Prosper Healthcare Lending offers trusted solutions to support your journey toward improved health.

With over $3 billion funded and over 250,000 loan inquiries serviced, Prosper Healthcare Lending is a reliable program you can trust.

Here are the key benefits you’ll receive with a loan from Prosper Healthcare Lending:

  • Immediate decisions for loans under $35,000
  • Term options extending up to 60 months for affordable monthly payments
  • No collateral required
  • No prepayment penalties
  • Fast and straightforward loan inquiry process
  • 100% confidentiality guaranteed

Trust Prosper Healthcare Lending to provide the financial assistance you need to pursue your bariatric surgery goals.

United Medical Credit

Experience hassle-free financing for your healthcare needs with United Medical Credit.

Benefit from flexible payment plans, quick approvals, and competitive rates tailored to suit your budget. With our convenient financing options, you can take the first step toward achieving your health goals.

Invest in Your Health with Beltre Bariatrics in Florida

If you’re considering weight loss surgery but are concerned about the cost, we encourage you to contact us today to learn more about our financing options and how we can help make surgery affordable for you.

Don’t let financial concerns keep you from achieving your weight loss goals. Our compassionate team at Beltre Bariatrics is dedicated to supporting you on your journey to better health. We are here to assist you every step of the way.

DISCLAIMER: Metabolic surgery involves a lifetime commitment to significant lifestyle changes, and is not for everyone. Individual results differ depending on each patient’s medical history and willingness and ability to adhere to the weight loss program specified by Dr. Beltre. As with all surgical procedures, all forms of metabolic surgery carry the risk of complications and side effects; additional details about potential complications, side effects, and other risks will be provided to you by Dr. Beltre during your pre-surgical consultations.

The doctors at Beltre Bariatrics Center for Metabolic & Obesity Surgery have reviewed and approved this content.

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