Elective Surgery Expenses Financial Assistance

Personal loans help patients afford elective surgery when health insurance does not cover all of the procedure expenses.

Most insurers do not cover operations that reshape healthy tissue to improve appearance but will pay for medically necessary surgeries – if you have coverage in force.

The most critical eligibility criteria are keeping the amount borrowed as small as possible so you can afford the monthly payment plan to follow. Your credit score and income are secondary.

Many surgeries fall into a gray area, where insurance might pick up most of your expenses – if you can demonstrate that parts of the procedure are medically necessary.

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Paying for Elective Surgery Articles

Does Medicaid Cover Excess Skin Removal After Weight Loss?

Medicaid will sometimes cover excess skin removal after weight loss surgery.

The bariatric procedure type does not matter (gastric bypass, lap band, vertical sleeve, or gastric balloon). The medical necessity of each procedure is of far greater importance as it dictates whether your publicly-funded health insurance will pay claims.

Medicaid & Tummy Tucks: Coverage Rules, Doctors Accepting

Looking to get a tummy tuck but don’t have the funds? Medicaid could help – if you need a second medically necessary operation.

In this article, we’ll explore the requirements for Medicaid coverage of a tummy tuck, including medical necessity and documentation. Don’t miss out on this valuable information that could help you achieve your desired look.
man confused about Medicaid coverage for surgery

When Does Medicaid Cover Plastic Or Cosmetic Surgery?

Medicaid is a government-funded program that provides healthcare coverage to low-income individuals and families.

While it typically does not cover cosmetic or plastic surgery, there are some instances where it does honor claims. The secret is two-fold: proving the procedure is medically necessary and finding a surgeon to help you make the case that also accepts your specific Medicaid plan.

Red EKG signals in shape of human head held by hands

Free Plastic Surgery: Getting Health Insurance to Cover

Precise language is crucial when determining how you might pay for any elective medical procedure.

Plastic surgery is a related specialty to cosmetics surgery, and people frequently conflate the two together. However, a seemingly minor point can have an immense impact on your costs and how you might go about financing any remaining expenses.

Insurance coverage and discounts kick in for medically necessary procedures.

Heavy person in front of word salad of weight loss options

How To Get Gastric Bypass For Free: Government Funding

Why finance your elective bariatric surgery when the government might issue indirect grants that help low-income patients with their weight loss?

Even the lowest cost option, Gastric Balloon, costs $8,000 without insurance, and most people living in poverty cannot afford to pay such a sum out-of-pocket themselves.
Female posing before operating room

Financial Assistance: Paying for Surgery Without Insurance

Taking out a loan is the fastest way to raise money for an elective surgery when you are uninsured and cannot afford to wait until open enrollment.

Insured patients might get lucky and have a medically necessary reason they might otherwise overlook. Having a third-party pick up the tab is always best.

women prepped for face lift surgery

How to Pay for Plastic & Cosmetic Surgery with Bad Credit

Most health insurance plans will not cover the costs of cosmetic surgery. They do not cover procedures that reshape healthy tissue to improve appearance.

Most patients must pay for the procedure out-of-pocket. Getting loans in advance gives you the flexibility to pick the top local surgeon – instead of one with in-house payment plans.
intragastric balloon surgery

Bariatric Weight Loss Surgery Financing for Bad Credit

Many health insurance plans will not cover weight loss surgery that they deem as an elective medical procedure. You may need to pay for the procedure out-of-pocket, and may not have the funding on hand.

Several financing options allow you to undergo the procedure right away. Be sure to protect your finances before signing on the dotted line.
silicone breast implants on blue table

Breast Augmentation Financing: Monthly Payment Plans

Resort to financing to make your breast augmentation procedure more affordable only if insurance will not pay, which is the rule for most cosmetic procedures – those improving appearance only.

Women who need reconstructive surgery can often get a lending hand from health insurance. Have the practice manager write a letter of medical necessity.