Financial Options

Your weight loss journey is about more than your appearance. This journey is very personal and will likely affect your health for the rest of your life. At West Medical, we are here to support you and offer compassion as you embark on this difficult but rewarding path.

How Much Does Weight Loss Surgery Cost?

Everyone’s insurance coverage is different and each patient’s condition is unique, so it is impossible to put an exact price tag on weight loss surgery. The first step is to call us and let us help you determine which procedure is right for you. We offer a FREE phone consultation with one of our physicians who will answer your questions. Some or all of this cost may be covered by your insurance.

father helping child learn to ride a bike

Does Insurance Cover Weight Loss Surgery?

Most major health insurance companies do cover weight loss surgeries like gastric bypass or gastric sleeve surgery. However, patients may have to meet certain requirements before insurance will cover the procedures. We have years of experience working with major medical plans and we will help you navigate the process of understanding your benefits and qualifying for weight loss surgery.

For most insurance companies to cover part or all of your weight loss surgery, the following must be true:

You are over 18 years old
You have documented previous weight loss efforts
You are diagnosed with morbid obesity
You can pass a psychological evaluation before surgery
You are not a smoker
You have a documented weight loss plan after surgery
Your BMI is above 40
Your BMI is about 35 with comorbid disease(s)

These requirements will vary based on individual insurance coverage plans. However, since weight loss surgery can significantly turn around your health prognosis, most insurance plans will cover at least a portion of your weight loss surgery. At West Medical, we can help you understand these requirements and assist you in determining your medical insurance benefits.

Insurance companies evaluate the risk vs. benefit analysis for your weight loss surgery. If you can show that you have made several attempts to lose weight and were unsuccessful, it shows determination. It shows the company that you will be committed to maintaining your results after surgery.

Similarly, patients with comorbidities, such as diabetes or hypertension, show a greater potential for health rewards compared to the risks of surgery. Insurance companies will favor the potential benefits if you are likely to suffer from disease without the surgery.

Apply Now: CareCredit

Max Approval & Other

Patients can qualify up to $20,000 without any need for additional verification. If loan amount is above $20,000, then patient would need to provide additional items based on the situation.

Minimum Credit Score

Prequalification is automatically part of the application process through the custom link above. See if you prequalify in real-time with a soft inquiry with no impact to your credit score. The patient credit score will only be impacted after you accept the offer (if you are approved).

Terms

No “minimum credit score” but we do go as low as the high 500’s depending on all factors
No interest if paid within 6, 12, or 18 months
Fixed monthly payments required until paid in full
14.90%, 15.90%, 16.90%
24 months, 36 months, 48 months
17.90% APR until paid in full, fixed monthly payments required for 60 months

Apply Now: eFinancing Solutions

Max Approval & Other

Patients can qualify up to $50,000 without any need for additional verification. If loan amount is above $50,000, then patient will need to provide additional items based on the situation.

Prequalification is automatically part of the application process through the custom link above. See if you prequalify in real-time with a soft inquiry with no impact on your credit score. The patient credit score will only be impacted after you accept the offer (if you are approved).

Funding within 3 days. All 50 states. Multiple lenders.

Terms

Credit Loan Program for 690+ credit scores

Line of credit program
Maximum unsecured $35,000
Interest rate from 14.49% - 25.49% after intro period on remaining balance
No Interest if paid within 12, 14, or 18 months
12-month to 60-month terms
No proof of income required
Co-Signer accepted for family and non-family members

Credit Loan Program for 650+ credit scores

Installment loans
Maximum of finance $50,000
Terms from 2 months to 84 months
Interest rate starting at 5.99% APR
12-month zero percent rebate terms available
Proof of income may be required
Patient is not required to be on the loan

Credit Loan Program for 620+ credit scores

Interest rate starts at 14.99% APR
Maximum loan amount up to $15,000
12-month to 60-month terms
Patient not required to be on the loan
Co-Signer accepted for family members only

Apply Now: United Medical Credit

Max Approval & Other

Patients can qualify up to $500-$40,000.

Prequalification is automatically part of the application process through the custom link above. See if you prequalify in real-time with a soft inquiry with no impact to your credit score. The patient credit score will only be impacted after you accept the offer (if you are approved).

Funding within 3 days. Multiple lenders.

Terms

Origination fee may apply
Interest rates 2.99% - 35.99% APR
Terms 12-60 months
$10,000 loan with origination fee of 6% for a period of 24 months with an APR of 24.0980% may have a payment of $529.20 per month (actual terms and credit will apply and other factors)

Apply Now: Prosper

Max Approval & Other

Patients can qualify up to $2,000- $40,000. Qualification is automatically part of the application process through the custom link above. Funding within 3 days. Multiple lenders.