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Financial barriers shouldn't stand in the way of your good health. If your health insurance doesn't fully cover the cost of gastric banding, or if you don't have health coverage, you still have options.

Many lenders can provide financing that you can use to pay for bariatric surgery. Some financing options include:

  • Credit card
  • Personal line of credit
  • Home equity line of credit
  • Mortgage

When you speak with a lender, make sure to ask them to explain a range of solutions, such as:

  • Flexible monthly payments and reasonable interest rates
  • Secured and unsecured loans
  • Higher approval rates
  • Quick application and approval processes

You should also know that bariatric surgery is considered a major medical expense by the IRS and may be tax-deductible. Consult with your tax advisor to learn more.

Table: Flexible Financing Options
Options Credit Card Personal Credit Home Equity Mortgage
Amount Needed $0–$25,000 $5,000–$50,000 $10,000 + $10,000 +
Financial Alternative In addition to traditional accounts, many credit card companies offer healthcare-specific financing programs. Unsecured personal loans that do not require the use of home equity as collateral. Loan allows you to access the equity that you have built in your home. Get cash out of your home by refinancing your mortgage with new terms.
Benefits
  • Simple application process
  • Quick credit decisions
  • Terms up to 60 months
  • Fixed-rate loans
  • Flexible repayment terms
  • Simple application process
  • Loan and line of credit options are available
  • Fixed- and adjustable- rate products available
  • Lower interest rates than credit cards and personal loans
  • Terms up to 25 years
  • Provides the longest term structure
  • Consolidates loan amount into your mortgage payment
  • Interest paid on mortgage is often tax-deductible
Considerations
  • Variable interest rates from 1.9% to 25.99%
  • Lower credit limits
  • Higher approval rates
  • Non variable interest rates from 9.99% to 24.99%
  • Discounts may apply if you have a preexisting relationship with your lender
  • May be available where you currently do your banking
  • Financing fees and closing costs may apply
  • More complex application process
  • Loan is secured by your home
  • Most complex loan process
  • Title insurance may be required

I feel like the procedure itself paid off numerous times because I save so much money on food on a daily basis...

- Angelika

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