Jump to content
×
Are you looking for the BariatricPal Store? Go now!

How did you finance your surgery?



Recommended Posts

My insurance does not cover weight loss surgery so I am looking into self pay options. I have found a local surgeon and hospital that will do the sleeve for $10,000. I will either need to finance some of that or figure out a way to come up with about $5,000. What route did you go? Did any of you find creative ways to generate extra income? If you took out a loan, which company did you use? Thank you all for your input!

Share this post


Link to post
Share on other sites
My insurance does not cover weight loss surgery so I am looking into self pay options. I have found a local surgeon and hospital that will do the sleeve for $10,000. I will either need to finance some of that or figure out a way to come up with about $5,000. What route did you go? Did any of you find creative ways to generate extra income? If you took out a loan, which company did you use? Thank you all for your input!

I am having my insurance cover it, but depending on your credit you could get a personal loan at your bank. If your credit isn’t the best, try One Main Financial, family, saving up little by little, or the surgeons office should have care credit. You could also look into a hospital and see the financial department and see what they can do. If you really need this surgery, they might be willing to help you. If you own a home, you could take out a home equity loan. I am sure there is a way. In the mean time, keep your head up high, keep dieting, and keep trying.


Share this post


Link to post
Share on other sites

Took a loan from my 401K, every bit of my savings, and a bit on my credit card.


Share this post


Link to post
Share on other sites
I cashed out a 401k to pay for my revision. I figure I am preparing for my future a different way plus my hubby has a great retirement package for us to live on when were old!

Was thinking of cashing out some of my 401k as well. What’s the penalty and fees? And if you don’t mind, approximately how much did you cash out? We too have a pension for retirement.


Share this post


Link to post
Share on other sites
1 hour ago, HamZam said:


Was thinking of cashing out some of my 401k as well. What’s the penalty and fees? And if you don’t mind, approximately how much did you cash out? We too have a pension for retirement.

Ham, honestly I am not comfortable sharing the amount I cashed out but I can tell you they take 20% off the top and send in for income taxes in AZ state tax is voluntary so we are going to send those in separately and there is a 10% fee that might be waived for medical expenses but we need to talk to a tax specialist to see if we qualify for that one. Hope that helps. You can always call who holds your 401k and talk to them about it they are really the ones who can give you all of your options because not sure if other states have different penalties, I called first and they were so nice.

Share this post


Link to post
Share on other sites

Was thinking of cashing out some of my 401k as well. What’s the penalty and fees? And if you don’t mind, approximately how much did you cash out? We too have a pension for retirement.



Thanks so much GrammyLulu for the info. I planned on calling my 401k and getting more information but it’s nice to be somewhat prepared before hand! Again, truly appreciate it!


Share this post


Link to post
Share on other sites

Sounds like you already have $5k? We paid $3,999 for surgery through Trinity Medical at hospital Guadalajara with Dr. Pasten. My flight was only $325. I chose them because I flew in Wednesday morning at 8:45 am and was picked up at the airport and taken straight to the hospital where I filled out paperwork and they did blood work. Then I was taken straight to my room and they gave me iv fluids and an EKG in my room. My surgery was after 3:00 pm that same day.

Then I flew home Friday afternoon. All the other places sent their patients to a hotel and I came home to my family. I choose them because I have toddlers and only could be away 2 nights. By Friday night I did not need any pain meds.

I researched several US hospitals/clinics and most have the surgery as outpatient so I felt comfortable with two nights and flying home.

Also, brought a cashiers check with me and paid the coordinator after I was in my room.

Edited by Overcomer2food

Share this post


Link to post
Share on other sites

Yes I already have the 5k. I’ve thought about Mexico but honestly I’m too chicken to go that route. I would want someone to go with me and nobody in my family would. They would think I was nuts. I would think that too if I hadn’t been following on this forum and seen that so many people have good quality services there. My husband is already not supportive of the surgery so Mexico is really out. I can save the other 5k in the next year was just trying to see what everyone else did. Thank you for your response!


Share this post


Link to post
Share on other sites

I got a personal loan at 5.99% through Discover which covered my flight, 2 nights at a hotel, 2 nights at a hospital, and and an amazing surgeon, Dr. Rodriguez through Mexico Bariatrics. I am 3 days out and had the most amazing experience! Worth every penny (:

Sent from my SM-G930P using BariatricPal mobile app

Share this post


Link to post
Share on other sites

A 401K loan. I know thats not the best thing to do, but the way i see it is that i wont need my 401K if im dead from obesity, so i did it. Best decision ever!

Share this post


Link to post
Share on other sites
On 1/20/2018 at 5:35 AM, HamZam said:


Was thinking of cashing out some of my 401k as well. What’s the penalty and fees? And if you don’t mind, approximately how much did you cash out? We too have a pension for retirement.

I paid a $150.00 fee to borrow from my 401k, thats it. I pay interest but the interest pmts go right back in to my 401k, so back to myself.

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recent Topics

  • Most popular:

  • Recent Status Updates

    • ms.sss

      Ok...so keeping my daily weight updated on here is getting tedious due to the the daily 0-3 lbs fluctuations.  Soooo...I figure I'm just going to update every 1-2 weeks moving forward.
       
      · 3 replies
      1. FluffyChix

        Yeah, I kinda do it when I see a new low. Then it fluctuates up and down up and down until I finally see a new low. Mine went down to 131 on Saturday but is now back to 133, lol. So I won't log it till I see 131 for a second time.

        I do my daily weight graph in My Fitness Pal. Much easier and it keeps a cool graph!!

      2. ms.sss

        Me too (sort of). I gifted myself a fancy-shmancy smart scale back in January and it wirelessly updates the data to Apple Health in my phone, which in turn automatically updates MFP (among other apps I have). Very hands off on my part. Updating BP was the only manual weight updating I was doing, which has stopped being fun and instead become a job, now that the weight goes up and down so much.

      3. FluffyChix

        LOL the joys of maintenance! ;) NOT!

    • GreenTealael

      7 days post revision... I am wiped out! I forgot about the energy depletion stage 
      Logically I know there is some fat left for use... But not much
      · 7 replies
      1. FluffyChix

        Yogurt. Matcha yogurt. ;) LOL. I could have thinned down yogurt and kefir on my full liquids phase. Maybe email your RD and ask if that's also on your full liquids. I use Peach and Cream, and Bananas and Cream in my yogurt to thin it into a soup right now. :)

      2. GreenTealael

        I put a call in this morning they will get back to me shortly.

      3. FluffyChix

        Yay!! I bet they will say yes!

      4. GreenTealael

        I bet i will fight them if they say no 😂

      5. Orchids&Dragons

        Hope you get back to your old self soon!

      6. View All Replies
    • demayome

      Day 3 of Liver shrinking diet. 11 days to go. Come on 31JUL. Trying not to get impatient
      · 1 reply
      1. GreenTealael

        💜STAY STRONG💜

    • Krestel

      OMG! I dreamt of cake!!
      As of late, my dreams have been food obsessed. Last night I dreamed of gorging on good old American sheet cake with chocolate frosting. There was white frosting as well. Good thing we can't get that in Sweden! I just hope that I haven't become too engrossed in food. BUT they are only dreams after all.
      · 0 replies
      1. This update has no replies.
    • GreenTealael

      3 days post op and I want to go to the movies to see The Lion King... #slowdown
      · 13 replies
      1. Krestel

        Awww

      2. VANILLASUCKS

        I went 5 days post op to the movies :)

      3. GreenTealael

        Awww man i could have broken a record 😂

      4. elcee

        I’m going later today with my hubby and daughter

      5. GreenTealael

        I hope its amazing !

      6. View All Replies
  • Trending Topics

  • Together, we have lost...
      lbs
    ×