Self Pay Options

Some of our patients pay out of pocket for their bariatric surgery. If your insurance does not cover weight-loss surgery, it won’t pay for it even if you have serious medical problems related to obesity.

At our seminar you attend, payment arrangements are discussed as any financing we are currently offering. Over time, the insurance options and pricing may change.

We have the coverage needed for self-pay patients so that any complications that might happen are covered.

Package Pricing for Self Pay Patients:

We are lucky to be partnering with the hospital systems in the area so we can give you a bariatric surgery package price.

This one price includes all of these when a case is uncomplicated:

  • The anesthesia for the surgery
  • One night of stay at the hospital
  • Surgeon fees
  • Radiology and pathology fees

Here is a list of the various package prices by surgery:

We want to help you with every part of getting bariatric surgery, and even with its financing. If there is ever an issue with our practice and you can’t seem to resolve it, contact the doctor directly.

Tax Deductible Surgery Options

For patients having weight-loss surgery, the IRS gives them the right to deduct the cost of the procedure, any weight-loss drugs prescribed as well as counseling with a nutritionist.

In our office, you can pay with a health savings account or with health reimbursement arrangements.

You can discuss the costs and tax-deductions with your CPA or financial advisor to find out more about how these deductions can help you financially.

Financing Options

Our current options include the following:

Prosper Healthcare Lending is one of the top financing choices for medical procedures. The healthcare financing industry has many credit cards with high-interest rates that can help you pay for your treatment, but these cards can cause a lot of harm. When you finance your bill through Prosper Healthcare Lending, you get easy loans with simple interest and no penalties for pre-payment. There is no interest charged retroactively, and they offer lower payments that are payable over longer terms. It takes only a few minutes to apply. This lender helps to make healthcare much more affordable.

Prosper Healthcare Lending can give you affordable financing for any bariatric operation cost, even the co-pays, your deductible, and the surgery costs.

When you get a loan from Prosper Healthcare Lending, you get:

  • Financing of up to $35,000.00
  • Affordable payment plans that can all be handled online
  • No pre-payment penalty or retroactive interest charged
  • No transaction fees

Insurance For Self Pay Patients

Dr. Ravindra Mailapur and Madison Surgical Associates are proud to announce our affiliation with BLIS.

BLISCare Surgical Complication Protection

BLISCare is a one-of-a-kind insurance type that is only available to the physicians who are “best in class.”

It isn’t health insurance, but it protects patients of surgeons insured by BLISCare when there is an expense related to complications that can occur in a procedure covered by BLISCare. When you have a BLISCare doctor take on your surgery, you are protected from any surgical complication costs that may develop.

When a physician has BLISCare, he can give the patient additional medical care if the patient has a surgical complication that is covered. There are BLISCare plans that will cover these costs for as long as 60 months after the operation.

The high price of a high BMI

  • Adding up the many costs that go along with being obese or overweight, it has been found that in the U.S., being obese causes the individual $4,879 for women and $2646 for men annually. When you add the loss of life to these annual costs, the price becomes $8,365 for men and $6,518 for women.
  • Every year, the cost in the U.S. of being overweight is $524 for women and $432 for men.
  • The term obese was defined as when an individual had a body mass index of more than 30. Being overweight was described as a BMI that falls between 25 and 29.
  • The study found that obese women pay a whopping nine times more for obesity-related costs than people at a healthy BMI, and men pay six times more.
  • The study’s results showed that obesity and extra costs on the job affected women much more than men. These costs included disability, absenteeism, and lost wages.
  • The direct costs of health care for overweight individuals are about 66% of those extra, weight-related costs for women. It accounts for about 80% of those costs for men. It is also a serious cost for obese men, costing them about 30% of their overall medical costs. However, more is lost for women when wages are lost, so they average about 38%.
  • Studies have also shown that obese people have high costs related to their medical condition; they also have higher costs for things that are not medical costs.

These obesity-related, non-medical costs from the studies have included:

1.         Short Term Disability
2.         Productivity (presenteeism)
3.         Wages
4.         Sick leave (absenteeism)
5.         Gasoline use
6.         Disability pension insurance
7.         The value of lost life because of an early death
8.         Life insurance premiums

Contact Us!

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207 Longwood Drive SW Huntsville, AL 35801

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