Some patients opt for installment plans arranged via an in-house financing program, while others opt for financing through credit from finance companies that have partnered with their surgeons. Monthly payments with these options vary depending on the length of time needed to repair the loan, the cost of the procedure, and your credit rating.

If medical financing through your surgeon is not an option for you, you can always consider contacting a medical finance company on your own. These companies typically provide lists of doctors and surgeons who participate in their network. It is important to research any surgeons that you are considering, since inclusion on the list is not an endorsement of qualifications.

Before you explore your options, review your health insurance plan to determine if any procedures are covered, whether your procedure can be reimbursed under the terms of your health plan, and what the terms are, if any of the financing offered through your surgeon.

You should plan on contacting your insurance provider as soon as possible to find out more about your coverage and options, since the approval process can be long and complicated. If you are denied coverage by your insurance company, you also have the option of contacting an obesity law and advocacy center.

The approvals process usually involves a referral from your primary care physician establishing what is known as a Medical Necessity for weight loss surgery, and full support from your primary care physician is crucial. You will also be expected to include a documentation of your weight loss history, including receipts and records, such as weight loss programs, weight loss books, exercise equipment, and anything else that highlights your weight loss efforts.

Deciding to have lap band surgery is a decision that should not be taken lightly. You should seek out the opinions of your doctor and other medical health professionals in order to determine whether or not you are a good candidate for this type of procedure before you begin to explore finance options. The good news is that if you decide to go through with the procedure, there are many different financing options for you, regardless of the type of insurance plan you have.