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How much does weight loss surgery cost?
Self-pay bariatric surgery with us starts at $9,950 for gastric sleeve and $14,100 for gastric bypass, all-inclusive with no hidden fees. With insurance, your out-of-pocket cost depends on your plan, and the approval timeline typically runs three to six months. Self-pay patients usually move from consultation to surgery in two to four weeks. Financing is available either way.
Two Paths: Insurance and Self-Pay
Cost comes down to which path you take. If your insurance covers bariatric surgery, your out-of-pocket cost depends on your deductible, copay structure, and plan specifics. Most plans also require documentation of a prior supervised weight loss attempt, often three to six months, before they'll approve surgery.
If you choose self-pay, the price is transparent and fixed upfront. There's no insurance approval process to wait on, which means a much faster timeline to surgery, typically two to four weeks from consultation.
What Self-Pay Actually Costs
Our self-pay pricing is all-inclusive. Gastric sleeve starts at $9,950. Gastric bypass starts at $14,100. These prices cover the surgeon's fee, facility costs, and anesthesia, with no surprise bills afterward.
We work with Cherry Finance to help patients manage the cost. Cherry offers a soft credit check, so applying doesn't affect your credit score, and qualifying applicants may receive 0% APR.
Why Self-Pay Sometimes Costs Less Than It Looks
Patients often assume insurance is automatically cheaper than self-pay. That's not always true once you account for the full picture. High deductibles, the months of supervised weight loss visits insurance may require, and any out-of-network costs can add up to a number close to our self-pay price, just spread out over a much longer timeline.
There's also a cost to waiting that's easy to overlook. Every month spent on insurance approval is another month of obesity-related health conditions, like diabetes or sleep apnea, potentially getting worse. For some patients, the faster self-pay timeline has real value beyond the price tag itself.
Frequently Asked Questions
How much does gastric sleeve cost without insurance?
Self-pay gastric sleeve starts at $9,950, all-inclusive. That covers the surgeon's fee, facility costs, and anesthesia, with no hidden bills afterward.
How much does gastric bypass cost without insurance?
Self-pay gastric bypass starts at $14,100, all-inclusive, covering the surgeon's fee, facility costs, and anesthesia.
Does insurance cover bariatric surgery?
Many insurance plans cover bariatric surgery when medical criteria are met, though coverage and out-of-pocket cost vary by plan. We'll verify your specific benefits before you move forward.
Is financing available?
Yes. We work with Cherry Finance, which offers a soft credit check that doesn't affect your credit score, with 0% APR available for qualifying applicants.
Is self-pay faster than going through insurance?
Yes. Self-pay patients typically move from consultation to surgery in two to four weeks. Insurance-covered surgery often takes three to six months, partly due to supervised weight loss documentation many plans require.
Ready to talk through your specific cost?
We'll walk through insurance and self-pay options together, with no pressure either way.