Financial Services

Not surprisingly, two of the most common questions about the LAP-BAND System are, “Can I afford this surgery?" and "Does insurance cover it?”

The LAP-BAND System is regarded as the most affordable weight-loss surgery option (it also has a lower risk of mortality and side effects). In considering the expense of surgery, it’s important to first consider the cost of not having surgery . . .  in other words, the cost of obesity. The following outlines what an average person living with obesity might spend each year.

_{References:
1 Health Management Research Center, University of Michigan, 2001
2 U.S. Bureau of Labor Statistics, Consumer Expenditures in 2006
3 Source: Colditz, GA, “Economic Costs of Obesity and Inactivity,” Med Science Sports Exercise, 1999
4 Marketdata Enterprises, Inc., 10/02
5 Bureau of Labor Statistics, Consumer Expenditures in 2006}

When you compare the recurring annual costs of living with obesity to the cost of the LAP-BAND procedure, the question should be, "How can you afford not to have this surgery?"

How much does the LAP-BAND System cost?

The cost of LAP-BAND surgery depends on your individual needs. It’s determined, in part, by your specific medical history and health conditions. If you decide the LAP-BAND System makes sense for you, we will schedule you for a medical consultation in our center. After your meeting with your physician, we will be able to personalize a care program and estimate your costs.

The charges for our services are the same for all patients. However, your actual out-of-pocket costs for the surgery will differ depending on your individual situation.

Does insurance cover LAP-BAND surgery?

Fortunately, many insurance companies recognize the serious health threats of obesity and do cover the Lap-Band System. Please visit our Insurance Information page for more information on verifying your insurance coverage and obtaining authorization from your insurance company.

What are my options if I don’t have insurance coverage?

At Malley Surgical, we are committed to helping people with obesity turn the page to a new life. It’s our goal to find a way to help you.

If you don’t have insurance or your insurance does not cover the LAP-BAND System, we will work with you to make the LAP-BAND surgery feasible for you as a self-pay patient.

We have a discounted global package available for self-pay patients (patients who are uninsured or whose insurance policies do not cover the LAP-BAND System)

We also offer free referrals to financing companies and local banks, such as Care Credit, who specialize in qualifying LAP-BAND patients for a variety of loans that allow you to have the surgery today and pay over time. Last, we can help you analyze your costs for surgery versus living with the costs of obesity.

In addition to the estimated annual savings opportunity of obesity-related costs totaling more than $18,000, you may also benefit from thousands of dollars in potential tax savings. A tax payer can now claim weight-loss expenses as a medical deduction, and savings of $2,000 to $4,000 are common.

When you have your medical consultation, one of our financial counselors will meet with you to discuss our self-pay programs.

Click on one of the options below to learn more:

CareCredit
CareCredit gives you the freedom to have your procedure whenever you're ready. It's easy to apply: With three simple steps, including an instant approval process, you can say goodbye to the waiting time and reward yourself sooner.

MedicalFinancing
We are proud to offer patient financing options for all your elective surgery procedures. We have been helping patients obtain financing for procedures such as breast augmentation, tattoo removal, gastric bypass, invitro fertilization, hair loss replacement and much more. With loans up to $30,000 and convenient repayment plans, you can feel comfortable knowing your surgery costs will be covered.

American Benefit Credit
We are pleased to offer American Benefit Credit as our lender. American Benefit Credit offers a convenient, low monthly payment with no initial payment required for amounts of $1,000 to $100,000+.

Med Loan Finance
Med Loan Finance specializes in helping people with their financing needs for their medical and dental procedures. With experienced agents and a dedicated network of lenders of both secured and unsecured loans, Med Loan Finance is committed to finding you the best loan available with some of the most competitive rates.

What will my monthly payments be?

Our preferred self-pay programs offer a variety of payment plans to make your care affordable. The chart below shows a range of estimated monthly payments based on your treatment fee and the plan for which you qualify.

Don't wait! Get started today on the path to a healthier life!