Self Pay Options

Metabolic Surgery Can Actually Save You Money!

It is becoming increasingly clear that metabolic and bariatric surgical procedures offer significant short- and long-term health benefits reaching far beyond just weight loss. Obesity-related health problems like type 2 diabetes, sleep apnea, and infertility (just to name a few) cost Americans thousands of dollars every year in physician visits, hospital stays, medical tests, medications, and even lost productivity. And while it is true that metabolic surgeries are expensive because of their complexity, studies are beginning to show that the immediate improvements most patients see in their health and well-being after metabolic surgery will more than recoup the cost of the surgery down the road. In fact, the health benefits of metabolic surgery are becoming so obvious that an increasing number of insurance companies are agreeing to cover what once was considered simply an elective surgery, because they recognize that the significant health benefits will save them money in the long term!

At Beltre Bariatrics Center for Metabolic and Obesity Surgery, in Maitland, Florida, we believe that money should not be the limiting factor in your decision to pursue this life-changing surgery. If your insurance companies still refuses to cover this critical surgery, if your deductible is still too high, or you simply don’t want to navigate through the bureaucratic approval process, Beltre Bariatrics Center for Metabolic and Obesity Surgery is pleased to offer two popular financing options that will enable you to afford the metabolic surgery you need without relying on high interest credit cards. If you are interested in learning more about our financing options with Prosper, Lending Club or CareCredit, stop by our office and talk to our helpful, knowledgeable staff about which option might be the right one to help you obtain the surgery you need to turn your health and your life around 180 degrees!

If you do not have insurance coverage, your deductable is extremely high, or you simply don’t want to bother with the often bureaucratic insurance approval process, we offer several financing options to ensure that your metabolic surgery is affordable.

Financing Through Prosper

Prosper Healthcare Lending is the premier financing company in the bariatric industry. With over $3 Billion funded and over 250,000 loan inquiries serviced, this is a name and a program you can trust.
Here are some of the benefits you’ll receive with a loan from Prosper Healthcare Lending:

  • Immediate decisions for loans under $35,000
  • Term options out to 60 months (affordable monthly payments)
  • No collateral required
  • No prepayment penalties
  • Fast & easy loan inquiry process
  • 100% Confidential
  • prosper health lending logo

    Financing With Lending Club

    Lending Club is a personal financing option similar to getting a loan from a bank or credit union, but offering more flexible plans specifically designed to cover medical and surgical procedures from licensed and authorized practices like Beltre Bariatrics Center for Metabolic and Obesity Surgery. With Lending Club, you can combine fees from multiple practices into one low, monthly payment without a down payment or prepayment penalty, perfect for allowing you to handle all the costs of pre- and post-operative clearances and follow-up visits necessary for metabolic surgery. Financing with Lending Club allows you to focus on your health first: there is no payment due for the first 3-7 weeks!

    Lending Club offers affordable, flexible financing with both short- and long-term options. True No-Interest Plans enable you to borrow between $499 and $32,000 for 6, 12, 18, or 24-months (22.98% variable APR after that), while with an extended plan, you can borrow between $2,000 and $40,000 at a fixed rate that are generally lower than what you could obtain through a bank. If you are interested in financing your metabolic or weight loss surgery through Lending Club, contact Beltre Bariatrics Center for Metabolic and Obesity Surgery to determine if there is an appropriate payment plan for you. You may apply online here or contact Lending Club directly at 800-630-1663. Most patients will receive an answer within minutes!


    Financing With CareCredit

    Beltre Bariatrics Center for Metabolic and Obesity Surgery is an official medical provider offering CareCredit, the nation’s leading patient payment program. CareCredit is a healthcare credit card that helps you finance up to 100% of your surgical procedure and related costs, as well as other health care and medical expenses, with no upfront costs, no annual fees, and no pre-payment penalties.
    Unlike regular credit cards, CareCredit provides a flexible range of low-interest options, including short-term financing for 6, 12, 18, or 24 months and no interest loans on purchases of $200. Your only responsibility is to ensure that you make all minimum monthly payments on time and pay off the full amount by the end of the financing term. If you are interested in longer-term financing over 24, 36, 48, and even 60 months, CareCredit offers payment plans with low, fixed-rate interest. Again, you only need to make on time minimum monthly payments!
    Applying for CareCredit through Beltre Bariatrics Center for Metabolic and Obesity Surgery is quick and easy, and you will get a decision in seconds! For more information, go to for an online application or call CareCredit directly at 800-365-8295.

    Innovative Medical Insurance Through BLIS Certification

    As you prepare for your life-changing metabolic surgery, it’s comforting to know that you have the option of purchasing insurance coverage to protect against post-operative complications through BLIS, an innovative insurance program which gives patients a new measure of security. As with all BLIS certified surgeons, your surgical team at Beltre Bariatrics Center for Metabolic and Obesity Surgery has met the stringent standards of excellence that qualify them as BLIS covered practitioners—because they have a proven track record of success in metabolic surgical techniques. If you elect to purchase this optional coverage, you can be assured that if you experience a covered complication within a specified time-frame of surgery, the care of that complication is fully covered—you are not responsible for any costs to manage these post-operative conditions. And while post-operative complications are rare, it’s a comfort to know that if they do occur, it won’t incur additional expenses for you. You can relax and focus on the task of getting better, looking forward to a lifetime of improved health following your metabolic surgery.

    Contact Beltre Bariatrics Center For Metabolic and Obesity Surgery

    At The Center for Metabolic and Obesity Surgery, located in Maitland, Florida, we offer a proven, multifaceted approach to metabolic and bariatric surgery that will empower you to achieve your weight loss goals, improve your health and appearance, and rebuild your self-confidence. Led by esteemed, Board Certified surgeon Dr. Wiljon Beltre, one of the only fellowship-trained bariatric surgeons in Central Florida, we specialize in the latest cutting-edge procedures for safe, effective surgical weight loss coupled with a dedicated support team of caring, experienced specialists who will stand by your side to support you throughout your entire weight loss journey. Significant weight loss is not easy, but with the help of with our confidential consultation and education process, the surgical skill and experience of our medical team, and the advice and guidance of our ongoing support network, we can help you achieve the lasting weight loss success you have been dreaming about.
    If you are tired of the endless rounds of fad dieting and fruitless exercise regimens and think you may be ready for significant weight loss with metabolic or bariatric surgery, and you require more information on self-pay options such as CareCredit or Springstone, contact Beltre Bariatrics Center for Metabolic and Obesity Surgery today for a free consultation. We look forward to helping you start your weight loss journey!

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

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