How to Finance your Weight Loss Surgery

By Matt Libman
In June 11, 2013
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Some people just cannot lose weight no matter what they do.

Every diet is a failure and no matter how hard they exercise, the short term weight loss never seems to stick. There is a perfectly natural tendency to wonder what you are doing wrong in these situations. Have you considered the possibility that maybe it’s not anything you are doing wrong, but something in your body itself that makes losing weight so difficult? For these people, Lap Band surgery, a gastric sleeve, or gastric bypass may be the solution they’ve been waiting for. The problem is that between 60% and 70% of American medical insurers do not cover these procedures except in certain tightly limited circumstances because the prevailing view is that they are cosmetic in nature. However,    this is really not the case. For millions of morbidly obese Americans, these surgeries could literally save their lives, reducing blood pressure, the risk of adult-onset diabetes, and even the possibility of heart attack and stroke caused by excessive weight. For people whose personal or employer-provided medical insurance will not cover these procedures, United Medical Credit is proud to announce a complete line of dedicated financing options to help you get the lifesaving procedure you need without having to worry about how you are going to pay for it. With flexible financing and repayment options to accommodate nearly any credit score or history, we have a solution to your medical problem. Think of United Medical Credit as a medical credit card you can never lose, misplace, or run through the washing machine! Choosing The Right Procedure For Your Needs

Any bariatric procedure has its own unique risks, benefits, rewards and potential problems. You should always consult with your physician to determine what the best bariatric option is for you based on your age, weight, body mass index (BMI) and overall health. Not every form of bariatric surgery is appropriate for every individual, and being well-informed beforehand can prevent unnecessary complications and problems later. For those who are interested in these procedures but don’t know much about them, here is a brief thumbnail of how each procedure works and what the potential benefits and risks are.

Lap Band: The Lap Band procedure is by far the most popular and recognizable weight loss procedure in the country right now. Celebrities and regular people are experiencing dramatic and verifiable weight loss results, with a high degree of success and a relatively low risk of side effects or complications. However, the Lap Band, named because the band is placed laproscopically around the upper end of the stomach to reduce food intake and make patients feel fuller, does have certain risks. Among these are band slippage and inflammation around the stomach where the band is placed. This procedure is intended  for people with a BMI between 30 and 40 and with other co-morbidities, such as high blood pressure and diabetes.

Gastric Sleeve: This procedure is also performed laproscopically. However, in this case, roughly 75% of the upper curvature of the stomach is simply removed, leaving a tubelike structure instead of a sac in its place. The advantage in many cases is that gastric sleeve, also known as sleeve gastrectomy, is just as effective as the Lap Band. The drawbacks are that unlike the Lap Band, this procedure is not reversible and requires the patient to be on a special diet regimen for the rest of their life. Otherwise, the potential side effects are similar to the Lap Band procedure.

Gastric Bypass: In this procedure, which is commonly done laproscopically, the small intestine is attached to the stomach either higher or lower on the stomach, depending on the type of bypass chosen. This optimizes nutrient absorption while making the patient feel fuller with less food. Some of the associated side effects and risks include hemorrhage, ulcers, and leakage at the point of connection between the stomach and small intestine. These are usually treatable, and this procedure has a very low incidence of side effects compared to similar procedures.

When trying to determine the perfect weight loss surgery for your specific needs, you and your physician will need to examine many factors. Among these are why you are having the surgery, what your weight loss goals are, and your overall health goals. Once you have decided on the right procedure, the next step is to find the right financing. Insurance companies often will not cover these procedures, and if they do the co-pays are frequently exorbitant. Before you schedule your surgery, contact United Medical Credit. We will do our best to help you create a finance plan that meets your needs!

We also want to hear from you, about how lap band or other related weigh loss surgery has changed your life.  Please visit us here at weight loss surgery discussion.

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