How to Pay for Bariatric Surgery

If your insurance doesn't cover the procedure, or if you have a high deductible, there are several financing options available.

Medical Credit Cards

Options like CareCredit offer promotional financing, sometimes with 0% interest if paid in full within a specific timeframe (e.g., 6 to 24 months).

Personal Loans

Unsecured personal loans from banks or credit unions can provide the necessary funds. Interest rates will depend on your credit score.

Surgeon Payment Plans

Some bariatric centers offer in-house financing or partner directly with lending institutions to provide manageable monthly payment plans.

Retirement Accounts or Home Equity

Some patients choose to borrow against their 401(k) or use a Home Equity Line of Credit (HELOC), though these options carry significant financial risk and should be considered carefully.