Siouxland Surgery

Affording the LAP-BAND® System. We can help.

Lap Band
Your insurance may cover this procedure.

Taking Charge of Your Health

The Device and How it Works

The Procedure

See if LAP-BAND® is for You

Medical Considerations

Emotional Readiness

Cost and Payment Options

More Information


Affording the LAP-BAND® System. We can help.

Financing your LAP-BAND® System Surgery

Don’t worry if your insurance doesn’t cover the cost of LAP-BAND® System surgery. Flexible Payment Plans are available through CareCredit®.

Covering the costs insurance doesn’t.

It’s unfortunate that some health plans will simply not cover your weight loss surgery, regardless of medical necessity. If this is the case, you should know there are many other ways to cover your LAP-BAND® System surgery. These include:

  • Out-of-pocket payment
    If you have the financial freedom to do so, you may want to consider a lump sum payment.
  • Institutional Loans
    There are special medical financing companies that offer easy access and a full range of payment plans.
  • The LAP-BAND® System Patient Financing Program*
    Many surgeons work with our exclusive program that links LAP-BAND® System patients to CareCredit®, a GE Money company. If your doctor doesn’t participate, encourage him or her to discuss the patient benefits of the program with an Allergan Representative.

About CareCredit®

CareCredit® is the nation’s leading patient financing program. It has helped over 6 million patients worldwide get the treatment they need. Designed exclusively for LAP-BAND® System patients to cover healthcare expenses not covered by insurance, CareCredit® offers:

  • Up to 100% financing of medical fees - from $1,000 to $25,000.
  • Financing of co-payments or deductibles.
  • High approval rates & instant approval notification.
  • Low interest payment plans - up to 60 months.
  • No interest payment plans - up to 18 months.

To apply:

Apply online at www.carecredit.com or call 1-800-677-0718 to apply by phone.

The Personal Costs of Obesity

With today’s rising health costs, it’s normal to wonder if now is the time to consider the LAP-BAND® System. But you should know: extra weight often goes hand in hand with extra financial burden. Studies show obesity increases a person’s healthcare costs by 36% and medication costs by 77%, compared with people in a normal weight range.1 Knowing this, you may want to consider your own:

  • Out-of-pocket healthcare expenses.
  • Prescription and over-the-counter medication costs.
  • Doctors/specialists, office visits, lab work, physical therapists, etc.
  • Employment inactivity (missed work).
  • Nonsurgical weight loss programs (WeightWatchers®, Jenny Craig®, etc.).
  • Increased grocery and dining costs.

For this reason, acting now - using the LAP-BAND® System to significantly reduce your weight - may also reduce your weight-related costs.

References

  1. Sturm R. The effects of obesity, smoking and drinking on medical problems and costs. Health Aff. 2002;21(2):245-253.