Category: Health Care & Medical

How You Can Use Peer-to-Peer Loans for Weight Loss Surgery

Curious about Peer-to-Peer loans? You are not alone. Peer-to-Peer lending is a popular traditional way of borrowing money from a bank. Most peer-to-peer loans are personal, which borrowers can either use to invest in their small businesses or emergencies.

So, when you borrow a loan from the bank, it will use some of its assets including other customers’ deposits to fund your loan.

On the contrary, peer-to-peer loans enable borrowers to meet directly with investors through a lending platform. That’s why peer-to-peer loans are sometimes referred to as person-to-person loans.

Before getting down into the nitty-gritty of this post, let’s look at the costs you are likely to incur for your weight loss surgery, then discuss how you can secure loans for weight loss surgery.

What’s the Cost For Weight Loss Surgery?

The cost of weight loss surgery ranges between $15,000 to $25,000 depending on the type of weight loss surgery you need. However, a survey carried out by insurance companies shows that two-thirds of most health plans will not cover for any costs and if they do, they won’t cover more than fifty percent of the whole cost.

In short, you’ll pay between $7,500 to $12,500 for your weight loss surgery if you are covered by any insurance policy that has weight loss surgery in their packages.

Weight loss surgeries are more costly as compared to other types of cosmetic surgery. Besides the high probability to live longer, the transformation you’ll undergo – trimming down your pounds is just priceless.

Before you decide that you want to go for weight loss surgery, assess if you have a BMI of at least forty or you have a BMI of 35 and other health issues for which losing weight would be an advantage.

Next, you’ll have to settle on the type of weight loss surgery you want before applying for weight loss loans. Having a better understanding of the costs and how much your insurance policies can cover is advantageous.

The most affordable weight loss surgery (gastric bands) averagely costs $14,532 in the U.S. A survey in the United States showed that the states with the lowest prices were Texas, Oklahoma, and Nebraska. Gastric sleeve surgery will cost you a little more – up to $14,900 that’s in the United States.

On the other hand, Laparoscopic gastric bypass costs an average of $23,000. This is because it involves a more intensive procedure as compared to the rest. Even though this type of surgery is expensive, it’s still the most popular because it gives the highest probability of long-term weight loss.

Below are the costs that you may incur during weight loss surgery and they are usually not covered by the insurance:

  • Bands adjustment
  • $50 to $100 per visit Appointment of a nutritionist ranging between $50 to $100 per visit
  • Physical therapy, which usually cost between $35 to $85 for every visit.
  • A new wardrobe
  • Gym membership plan

How to Finance Bariatric Surgery Using  Peer-to-Peer Loans

In most cases, traditional banks won’t be a guarantee to offer loans for weight loss surgery. If by good luck they do, it will have to take a couple of weeks before they approve your application. You have the alternative to use credit cards, but you’ll have up to eighteen percent interest rate, which means you’ll pay more when paying back the loan.

A couple of hospitals can sometimes step up and give private medical loans for bariatric patients because they understand the higher cost associated with this kind of surgery. The problem? They have high-interest rates just like credit cards which will make you pay back thousands of dollars.

That’s why tons of people prefer peer-to-peer loans for weight loss surgeries though you can still find lending institutions like myinstantoffer.com that can provide you with personal loans, though you’ll need to have a good credit score.

Usually, P2P loans are the fastest because they take no more than three business days to process. That means that you can commence the application process soon after you know the exact amount your insurance company will cover.

Other Options to Fund Weight Loss Surgeries

There are tons of different options to help you finance your weight loss surgery apart from personal loans. The most common funding is private insurance, though it has some strict qualifications, for example, you must be having a BMI of at least 40. Additionally, your doctor must approve it.

Medicaid can reduce the burden for you, though it has a different procedure as compared to other insurance plans. For males, you must have attained the age of 13 while for females, you must have reached the age of 15. Besides, you’ll also be required to have a BMI of at least 35 and maybe one comorbidity such as diabetes.

You can also opt for crowdfunding to finance your weight loss surgery though it requires a lot of work. Below are a few things you’ll have to do:

You will pre-launch your campaign by letting your friends and relatives know of it.

Convince people on your page why people need to step up and help you foot out the weight loss surgery bills

Talk to people one-on-one to convince them to help you pay for your weight loss surgery

Funding your weight loss surgery through crowdfunding will mean that you won’t pay back a penny; most of the campaigns usually don’t reach the targeted amount. Surveys show that seventy-five percent typically don’t raise the targeted amount.

Bottom Line

If you need to fund your weight loss surgery, then trying out these guidelines could be of much importance. You can select the option that best suit you. After all, you are the one to decide. Just make sure you understand everything before deciding on your most preferred financing method.

 

 

 

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