的
average cost of 减肥手术 without insurance 范围从
$7,400 to $33,000. 的 price depends on the type of operation a patient chooses. 例如，
average cost of a gastric bypass without insurance is around $19,000, whereas a sleeve gastrectomy costs $16,000. 一些常见的
types of bariatric surgeries are-
胃旁路手术
胃带
袖胃切除术
Biliopancreatic diversion with duodenal switch
Single anastomosis duodenal-ileal bypass with sleeve gastrectomy
的re are also some after-surgery costs, including nutrition counseling
以及后续访问. You also need to consider medications plus the cost
of your needing to leave work (i.e., a decrease in productivity). 但
when you take into account the money you’ve spent for this surgery
compared to the cost of dealing with the complications of obesity, you
will realize that you’ll get your money’s worth usually after
1.术后5年.
To sum it up, when you’ve attempted to lose weight several times,
having a weight-loss surgery becomes worth it since its benefits far outweigh
the chance of you developing complications.
How To Pay For Weight Loss Surgery
Typically, health insurance plans cover the cost of 减肥手术.
Even if 减肥手术 is a covered benefit, patients need approval
from the insurance providers. 的y have to fulfill specific requirements
to get their cost covered under their health care plan.
的se requirements might be checking the patient’s overall health
conditions with a screening test and others like:
18岁或以上
Body mass index (BMI) over 40 or BMI over 35 with Type 2 diabetes, high
blood pressure, or other risk factors
Proven weight-loss efforts in the past
Smoking cessation before surgery
没有药物滥用
心理测试
Insurance-mandated weight-loss program
Morbid obesity diagnosis for a period before surgery
Insurance might only cover some services a patient needs along with their
减肥手术. A patient may need psychological screenings, but it
may or may not be covered by their insurance. 患者必须与
their provider and find the services they don’t cover. 因为他们
need to pay for such services out of pocket, they should estimate the
事先的成本.
病人 normally pay for their care out of pocket before surgery. 根据
on their insurance benefit, they must pay full advance payments before surgery.
What Happens If Insurance Can’t Cover Surgery Cost?
Suppose a patient didn’t get approval for 减肥手术 coverage.
的y might use their health savings account (HSA) or flexible spending
account (FSA) to pay for 减肥手术. A letter of medical necessity
(LOMN) written by their physician is a must that describes their condition
and explains the need for weight loss surgery.
If someone wants to pay in full for the surgery, they should determine
whether their doctor offers a payment plan. 还有医疗贷款
and health care financings such as Prosper or CareCredit.
Also, 减肥手术, regardless of whether it’s a lap band, gastric
bypass, or gastric sleeve, can qualify as a medical expense that you may
be able to claim on your taxes. Aside from the surgery itself, you can
also turn the supplements and medications that you buy throughout the
year to avail of some tax deductions.
Stay energized even if you cannot find a suitable insurance provider to
支付你的费用. From our experience, most of our patients who had bariatric
surgery and paid out of pocket have more significant weight loss and maintain
他们的体重. This might be caused by the fact that they made a significant
personal investment in themselves which consists of not only their time
and energy but also their own money.
Consult our medical providers to find a non-surgical way to reduce weight.
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