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Billing and Insurance

During your initial Consultation Dr. Feng’s office staff with discuss the Surgery fees and help you with Insurance Pre-Authorization.

Office Phone: (650) 685-2959

Cost Gastric Bypass and other Weight Loss Surgery in California

Patients should be aware that there are out-of-pocket expenses, and insurance policies may cover one type of weight loss surgery and not another type of surgery. The patient expenses can vary. Patients should contact their insurance company to confirm their policy benefits for weight loss surgery.

Insurance

Most insurance plans cover surgery, especially the hospitalization portion but may not cover any or all the surgeon's fees. Patients should be aware that there are out-of-pocket expenses, and insurance policies may cover one type of weight loss surgery and not another type of surgery. The patient expenses can vary; patients should contact their insurance company to confirm their policy benefits for weight loss surgery.

Office Phone: (650) 685-2959

Financing Option with MyMedicalLoan.com

MyMedicalLoan.com offers a variety of affordable financing programs through your doctors office with flexible payment options and low monthly payments. With available loan amounts from $1000 to $25,000 there is a loan program for every budget, even for those with less then perfect credit.

MyMedicalLoan.com offers some key benefits:

Fixed rates starting as low as 5.9%
Interest Rebate programs for up to 12 months
Fixed low monthly payments
Terms from 12 months to 84 months
No prepayment penalty
Bad credit financing available with a Co-Applicant
Easy application form with quick approval decisions

MyMedicalLoan.com offers installment loans through your doctors office with interest rates from as low as 5.9% APR and up with interest rebate offers for up to 12 months. We offer payment options with terms from 12 to 84 months. Depending your credit history we will be able to offer a customized and affordable payment plan to fit within your budget.

Ready to apply? Click the logo below ...

You can also call MyMedicalLoan.com Toll Free at 1-800-788-0711 to speak to one of the coordinators for help with your application or any questions you may have.

Common Questions Regarding Insurance and Paying for Weight Loss Surgery

How can they deny insurance payment for a life-threatening disease?

Payment may be denied because there may be a specific exclusion in your policy for obesity surgery or "treatment of obesity." Such exclusion can often be appealed when the surgical treatment is recommended by your surgeon or referring physician as the best therapy to relieve life-threatening obesity-related health conditions, which usually are covered.

Insurance payment may also be denied for lack of "medical necessity." A therapy is deemed to be medically necessary when it is needed to treat a serious or life-threatening condition. In the case of morbid obesity, alternative treatments - such as dieting, exercise, behavior modification, and some medications - are considered to be available. Medical necessity denials usually hinge on the insurance company's request for some form of documentation, such as 1 to 5 years of physician-supervised dieting or a psychiatric evaluation, illustrating that you have tried unsuccessfully to lose weight by other methods.

Paying for Your Weight Loss Surgery

At some point, after you have spent a considerable amount of time exploring the option of weight loss surgery, you will need to determine how to pay for the procedure. A growing number of states have passed legislation that requires insurance companies to provide benefits for weight loss surgery for patients that meet the National Institutes of Health surgical criteria. And while insurance coverage for weight loss surgery is widespread, it often requires a lengthy and complicated approval process. The best chance for obtaining approval for insurance coverage comes from working together with your surgeon and other experts.

The Appeals Process

Even if your initial request for pre-authorization is not approved, you still have options available. Insurers provide an appeal process that allows you to address each specific reason they have given for denying your request. It is important that you reply quickly. It is also recommended that, at this point, you enlist the help of an experienced insurance attorney or insurance advocate to properly navigate the complexities of the appeal process. Some insurers place limits on the number of appeals you may make, so it is important to be well prepared and that you clearly understand the appeal rules of your specific plan.