Financing for out-of-pocket

Shandymae · 11-01-2007, 02:18 PM

I'm seriously considering Lap Band and do not have insurance (I'm self-employed) so need to finance. Has anyone out there done this? Anything in particular I should know or be aware of? I'm going to my introductory meeting tonight to get more info.

zippykat · 11-01-2007, 05:08 PM

I am self pay and my cost is about $15,000. Countrywide finance has lower interest loans for medical procedures. I will be paying $300 a month for 5 years. It's a lot of money but for 41 years I gave all to my family and now it is my turn. Most people pay more for their car payment and I think I'm worth more than that!
Being banded 11-08-07
Surgeon Dr. Michael Snyder, Denver,CO

Shandymae · 11-01-2007, 05:27 PM

Thanks for the info. How long did the process take to book your surgery? I know some have to wait six months if going through insurance but wasn't sure if the wait time was less if you're self pay.

Newstart101507 · 11-01-2007, 05:41 PM

I was self pay and had my surgery less than 2 weeks after my first appointment. I agree that it is like a car payment and I think I am worth it!

new_me_2008 · 11-01-2007, 05:48 PM

I was the same. I went to my first counsultation on 9/18 and was financed on the spot (care credit I think) and had the surgery on 10/08. Best $$ I ever spent ( or financed to be more accurate!)

steph_co · 11-01-2007, 07:20 PM

Whichever Dr you go for should be able to tell you which financing they accept (Care Credit, Capital One, surgeryloans.com, etc). I had to go through surgeryloans.com to get half of my surgery financed. I'm not pleased with the terms, but I'll just deal with it because the band is worth it to me.

I went to a patient seminar on the first Wednesday of October, called their office around the 12th and got an initial consultation on the 18th and got my surgery scheduled that day for less than a month later (11-15). So it goes pretty fast for self-payers. I like that!