Cost of Lap Band w/out insurance

So my friend is really interested in getting Lap band, but her insurance only covers 80% any idea what the rest would be out of pocket? And do you know if there are any doctors that do financing?

Hi,

Keep in mind that the 80% the insurance covers is 80% of what's Usual & Customary. Meaning...they cover 80% of what THEY think the surgery should cost.

Therefore, if the surgery is $20,000 and they think it should cost no more than $15,000. They will only cover 80% up to the $15,000.

According to Dr. Pohl and Dr. Giovanni, at their seminar, they say they charge $13,000 whether you get RNY or Lapband. I know that some docs do have finance options through a pre-arranged finance company. However, I don't know which docs or which companies.

Good luck to your friend!

Jules

I just checked my BC/BS claims and found that just for the day of and the hospital stay for my surgery the cost was $23,098.  That figure does not include all the pre-testing costs.  There may be a different pay plan for those paying out-of-pocket.It would probably be an all inclusive number. 

great explanation Julie!  Also, keep in mind that hospitals have "contracts" with  some insurance companies - in that case you will only pay 20% of the contractual rate - which in some cases is about 40% discount off of the actual price of service. 

Nancy - when you checked your blue cross claim - did you notice that the $23000 was what blue cross paid?  That may have been the charge for the service - but niki's 20% will be based on what blue cross paid.

Niki - check with the hospital performing the lap band - more than likely they will accept payments on your balance once your friend's insurance has paid their part.

Good luck to your friend!

Pam