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How to Cover the Cost of LapBand Surgery

Has your doctor suggested you undergo LapBand surgery? If so, this is a suggestion you should give serious consideration to. When a doctor suggests LapBand surgery, he or she is usually doing so to protect your health and wellbeing. For those severely or morbidly obese, the LapBand system is not only a weight loss surgery, but a lifesaving procedure.

As previously stated, take your doctors suggestion to undergo LapBand surgery. However, after a close examination, you may feel as if LapBand is a procedure only for your dreams. This is mostly due to the costs. In the United States, the LapBand procedure costs between $15,000 and $20,000. Since you do not have this cash just lying around, you may wonder what your options are.

So, how can you cover the cost of LapBand surgery?

Insurance. Some health insurance companies will cover the cost of the LapBand procedure. You will, however, find many rules and restrictions. For example, if your doctor is only suggesting surgery, you may be denied coverage. On the other hand, if your doctor is stating that it is a lifesaving procedure due to morbid obesity, your insurance is more likely to cover the costs..

If your insurance provider will cover the cost of LapBand with specific criteria met, speak to your doctor. Information can be provided that will show that this weight loss surgery is the most cost effective approach for your care. For example, if you are 25 years old, the cost of diabetes supplies and checkups can easily exceed the onetime cost of LapBand, making it a wise choice for your insurance provider.

If you opt to pay for the LapBand procedure with cash, check, or debit card, you are considered a cash patient. This is opposed to a patient with medical insurance. Inquire about cash discounts. Many healthcare professionals have small, but helpful discounts available.

As previously stated, most Americans do not have $15,000 to $20,000 at their disposal. This means that you will need a way to come up with the cash if you do not have medical insurance or if coverage is denied. Do not stress, as it is easier than it sounds.

Save money. Saving money should be your first step in covering the cost of LapBand surgery. Even if you are on a budget, it is still possible to save money for surgery. Start by eliminating unnecessary purchases, such as your morning coffee at the local gas station or dining out. In fact, a great way to get started is to eliminate sweets from your diet or at least reduce them. Not only will you save money, but you will notice a natural weight loss.

It may take a year to two years for you to save enough money for the LapBand surgery, but saving money, as opposed to borrowing it, is the safest approach to take.

Borrow money from friends and family. If you have close friends or family members who are in the position to let you borrow money, ask. If they know your intention is to lose weight and lead a healthier life, most will be willing to help. Of course, be sure to discuss repayment. You will have more flexibility, but be sure to treat a loan from family and friends just like a bank loan.

Bank loan. Speaking of bank loans, you can request a personal loan. This is recommended as a last resort, but it is wiser than using a credit card. Remember, credit cards are ridden with fees, including late fees. You are likely to find a lower interest rate when acquiring a personal loan.

To acquire a personal loan, have good credit. Personal loans are unsecured, so your good credit will give your bank comfort. It is important to sell yourself. Make it known that your obesity is hindering your ability to stay healthy and work. By undergoing the LapBand surgery, not only will you lead and happier and healthier life, but you will be able to work without as many health disruptions. The ability to work signals a borrower who will make timely loan payments.

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5 Signs You May Need LapBand Surgery

The LapBand procedure is a weight loss surgery that has increased in popularity since is introduction to the United States in 2001. So, what is it that sets the LapBand apart from other bariatric procedures? It has to do with risk and convenience. With a lower complication and death rate and a shorter recovery period, the LapBand is the preferred choice of treatment for most individuals and healthcare professionals.

If you are overweight, you may be ready to jump on the LapBand bandwagon. As previously stated, the LapBand surgery does have a number of benefits, but it is not right for everyone. So, how do you know? Please continue reading on for five signs that the LapBand surgery is something you should closely examine. In the event the signs apply to you, schedule a consultation appointment with a LapBand surgeon to determine your eligibility.

1 If Your Doctor Suggests It

Those who suffer from obesity are likely to schedule more appointments with their primary care physician. Those suffering from obesity, deal with other health related complications, including asthma and diabetes. In most cases, primary care physicians recommend healthy eating and exercise. In extreme cases of obesity, the LapBand system may be mentioned.

If your primary care physician suggests the LapBand surgery, take this suggestion to heart. Your doctor has your best interests in mind.

2 If You Are Severely Obese

On average, those suffering from obesity have a Body Mass Index (BMI) of 30 or more. This usually translates to 30 pounds overweight. Although obesity has many risks and complications, LapBand surgeons are selective. In most cases, simply just being obese isnt enough to warrant a LapBand procedure. Instead, most physicians recommend patients have a Body Mass Index (BMI) rating of 40 or more. This translates into severe and morbid obesity.

If you are 100 pounds overweight or more, LapBand surgery may not only help you lose weight, but it may save your life.

3 If You Are Unable to Lose Weight

In most cases, the LapBand surgery is used as a last resort. It is considered a relatively safe procedure, but there are always risks involved. That is why most professionals opt for natural weight loss methods. Before giving the okay for LapBand, most surgeons want to see proof that their patients have tried to lose weight with diet and exercise. If not, most will try natural approaches before opting for surgery.

If you have unsuccessfully tried to lose weight with diet and exercise multiple times, weight loss surgery may be your only option.

4 If Your Health is at Risk

Health will play a huge role in ones ability to undergo LapBand surgery. For many, it is a double sword. LapBand surgery and weight loss can lessen the symptoms of asthma, diabetes, and other obesity related conditions. In fact, symptoms may completely disappear. On that same note, those who are obese due to a medical condition, such as a thyroid problem or pregnancy, are not ideal candidates. In these instances, a reduced stomach size may not cure a weight problem.

If you suffer from obesity related health problems, consider surgery. Not only will you lose weight, but your overall health and wellbeing will improve. You may feel as if you got a new lease on life with the LapBand surgery.

5 If You Cannot Complete Daily Activities

Despite being obese, some men and women are able to lead normal and happy lives. This is often the case with slight obesity. On the other hand, there are those who cannot do daily activities or needed tasks. Those who find it impossible to play with their children, walk up a flight of stairs, or leave the house, are at a serious and dangerous stage. This is the point where LapBand surgery and other extreme methods of weight loss should be examined.

If your obesity restricts your ability to go about your day, now is the time to consider the LapBand system.

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LapBand Surgery: Your Payment Options Reviewed

The LapBand surgery is a popular weight loss surgery in the United States. After all, what is not ideal about a reversible surgery that allows for adjustment without going under the knife? For many, the LapBand is the perfect way to lose weight, until they hear about the costs.

So, how can you pay for the LapBand?

Cash. Due to the cost of LapBand surgery, many believe that cash is the best way to pay. Technically speaking it is, but cash payment come in a number of different formats, including debit cards and checks. On average, the LapBand procedure costs $15,000 to $20,000 in the United States. Actual cash is advised against. That is not money you want to be carrying around town.

Check. A check is recommended as payment for the LapBand surgery. All healthcare professionals should accept checks as a method of payment. They are easy to write and provide you with a second receipt for your payment. Due to the convenience of debit cards, many consumers do not carry checkbooks anymore. If that is the case, be sure to bring yours on the day of your surgery.

Debit card. As previously stated, many consumers now use debit cards to access their checking accounts. This is an easy and relatively safe way to pay for the LapBand surgery. First, check with your financial institution. It is not uncommon for banks to impose daily limits on their debit cards, especially those that will be processed as credit. For that reason, speak to your bank and have this limit temporarily lifted ahead of time.

Credit card. If you are unable to come up with the $15,000 to $20,000 that is required to undergo LapBand surgery, you may opt for credit card payment. Many hospitals and surgical centers accept credit cards as payments. Verify that your card is accepted ahead of time. Then, be sure to make your monthly payments on time. With interest and late fees, it is easy for a $15,000 dollar procedure to double in costs.

Payment plan. If you have a solid credit score, your LapBand surgeon may be willing to work with you. They can do so in the form of a payment plan. Unless a dire situation, payment plans are not usually discussed by the surgeon. So, if you need a payment plan, ask. If a payment plan is not available with the surgeon of your choice, take the time to save money or later approach the surgeon with a significant down payment and then inquire about monthly payment plans.

Personal loan. As previously stated, a good credit score is required to get a payment plan directly through a LapBand surgeon. If you have a solid credit rating, inquire about personal loans at your local financial institutions. A stable job and a good credit rating may qualify you for a personal loan. You will be charged interest, but a financial institution may be willing to extend the term of your loan. You may have more time to make repayment than with setting up a payment plan.

When undergoing the LapBand procedure, the above mentioned payment options are your most common options. To reduce the amount you have to pay for surgery:

Examine your insurance coverage. If are covered by health insurance, speak to a company representative. In some instances, LapBand is covered. This is typically in cases where health related medical conditions, such as diabetes, can be eliminated or in cases of morbid obesity. If LapBand is listed as a procedure covered on occasion, but you are still denied, speak to your surgeon. He or she can work with your insurance provider.

Ask about cash discounts. If you are not insured or if your medical insurance does not cover the LapBand surgery, inquire about cash discounts. They are commonly offered by small or independent healthcare centers. Although small in size, the discount can still reduce the cost of weight loss surgery.

Find a LapBand surgeon with affordable rates. As previously stated, the LapBand surgery averages between $15,000 and $20,000 in the United States. This is not an affordable surgery by any means, but you can look for affordable or reduced rates. Of course, you want to pay as little as possible, but remember quality and safety. Choose a Board Certified Surgeon who has experience inserting the LapBand with success.

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LapBand Surgery and Diet Restrictions

LapBand is one of the most popular weight loss surgeries in the United States. Why? There are many reasons why. With the LapBand, an adjustable gastric band is positioned around the stomach. There is no cutting or stapling involved. Not only is the band adjustable without surgery, but it is also reversible.

If you are obese, the LapBand system may seem like the best option for you. Yes, it likely is. Those who are 100 pounds overweight can greatly benefit from undergoing the procedure, but still it is not right for everyone. To see success and reduce complications, diet restrictions are necessary. Unfortunately, diet restrictions are something not everyone can handle.

Before you assume that the LapBand system is the best weight loss option, it is important to closely examine what it expected of you. Unfortunately, many hopeful patients make the mistake of believing they will automatically lose weight with the use of the LapBand. This is not true. The LapBand surgery involves more than undergoing surgery. It also involves a lifestyle change.

If you are deemed an ideal candidate for the LapBand, you will receive a surgery date from your surgeon. Since diet restrictions are important to your success, you may want to load up on your favorite sweets. After all, these will need to be eliminated from your diet after surgery. This is not the right step. In fact, preparation for the LapBand surgery will begin two to three weeks before your surgery date.

Two to three weeks before your LapBand procedure, you will be asked to eliminate foods that are high in sugar, fat and calories from your diet. Protein supplements will be added. Protein will help to reduce the fat in the stomach area. This makes surgery easier and reduces complications.

In the two to three weeks before surgery, doctors will recommend a diet that consists of eggs, yogurt, lean meats, fruits, and vegetables. This diet will prepare your body for surgery. In addition to reducing fat content, it promotes a healthy body. A healthy body is what will allow for fast healing and few surgical complications.

In addition to preparing the body for surgery, the initial diet restriction will serve as a test. If you are unable to curb your eating habits, you are likely to continue doing so post-surgery. This means that you are not an ideal candidate for the LapBand. If your doctor notices your inability to restrict your diet, he or she may suggest putting off the LapBand surgery until you are truly ready.

As for the surgery itself, you will be asked to not eat or drink anything after midnight.

After surgery, you will be taken through various stages. Your physician will closely monitor your progress on each stage. On average, diet restrictions and LapBand adjustments will be made for one to two months.

The first week or two post-surgery, all patients are on an all-liquid diet. Liquids are easier to digest, allowing your stomach to heal and adjust to its new size. When on a liquid diet, sip slowly.

The liquid diet itself is divided into two categories. To get started, healthcare professionals recommend clear liquids. These liquids include sugar free gelatin, non-carbonated drinks, chicken broth, and watered down apple juice. A few days after surgery, progression is made to full liquids. These include milk, yogurt, pudding, and soup.

The next step is pureed foods. At this point, your body will be craving some type of substance, but it is still important to take it slow. Consuming too much can result in post-surgery complications, including pain, discomfort, nausea, and vomiting. Since pureed foods are still in liquid form, remember to sip slowly.

After one to two months, depending on the healing progress and doctors recommendations, traditional foods can be incorporated into a diet. Remember, it is important to eat traditional foods, not normal foods. You do not want to revert back to your old eating habits.

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