LAP-BAND® Surgery Cost in 2017 - With or Without Insurance

The average cost of LAP-BAND® surgery is about $3,500 with insurance and $15,000 without insurance. Your final out-of-pocket costs depend on:

  • Chosen hospital and surgeon
  • Insurance plan and benefits
  • Special discounts
  • Financing
  • Tax savings

Read and click the sections below for details about each of the above Lap-Band cost points.

01Cost With Insurance
  • $3,500 average out-of-pocket costs, depending on plan

lap band

LAP-BAND® SURGERY COST-AFTER-INSURANCE ESTIMATOR

Projected Out Of Pocket Costs After Insurance

PROJECTED OUT OF POCKET COSTS AFTER INSURANCE

Click Below to Update Your Plan's Details from U.S. Averages

Data is for illustrative purposes only. Please check with your insurance company for specific costs and benefit information.

The following variables may or may not impact your projected out of pocket costs.

LAP-BAND®
Insurance Tools

Cost-After-Insurance Estimator

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Can’t find your insurance company/plan or have updated info? Click here to contact us.

This tool provides estimates only. Please contact your insurance company to verify your actual out of pocket costs.

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Click your country below for Lap-Band insurance information:

1.  United States: Covered If Your Plan Includes Bariatric Surgery

In the U.S., Lap-Band is covered under any plan that includes weight loss surgery.

Use our Check My Insurance Tool to find out if it’s covered by your plan:

CHECK MY
INSURANCE TOOL
1

Choose your plan, state, and insurance company below.

Can’t find your insurance company/plan or have updated info? Click here to contact us.

This tool provides estimates only. Please contact your insurance company to verify your actual out of pocket costs.

Click one of the following for more information:

How Do You Know If Your Insurance Includes Weight Loss Surgery?

It depends on where you get your insurance:

  • Individual/Family Plans & Small Group Plans (under 50 employees). The Affordable Care Act (Obamacare) requires bariatric surgery coverage in many states.
  • Large Group Plans (50+ employees) – Your company decides whether weight loss surgery is covered. Talk with your HR department or contact your insurance company to find out if it’s covered.
  • Medicare & Medicaid – Medicare and Medicaid both cover Lap-Band surgery, but not all surgeons accept them.

Use the Check My Insurance Tool at the top of this section to find out if your plan includes weight loss surgery.

If Your Policy Covers It: Ask for a Free Insurance Check

Many surgeons offer a free insurance check. They have a staff that is experienced at working with insurance companies.

Rather than figuring it out on our own, talk with a surgeon’s office about doing the legwork for you.

Contact a top surgeon for a free insurance check.

Following are average Lap-Band costs after insurance pays, depending on plan type:

  • HMO: $1,475
  • PPO: $2,542
  • POS: $2,270
  • High-Deductible Health Plan: $1,901

(Click here for assumptions)

  • No money has been paid towards your calendar year deductible for other services
  • Calculations made using special formulas that take into account the average plan designs from Kaiser Family Foundation’s Annual Employer Health Benefits Survey (3)

Your final out of pocket cost after insurance depends on several factors, including:

  • Discounts Negotiated By Your Insurance Company

    Insurance companies often have pre-negotiated rates for doctors and hospitals in their network. They may also try to negotiate deeper discounts on top of any negotiated rates.

  • Calendar Year Deductible Level

    You must pay all medical costs until you reach your calendar year deductible amount. Some expenses, like copayments and prescriptions, do not count towards your deductible. Prescriptions may have their own Calendar Year Deductible.

    After you reach the deductible, you share the cost with the insurance company. The amount you share depends on your Coinsurance percentage (see below).

    Deductibles reset on January 1st. As a result, many weight loss surgery patients “rush” to get a surgery date before the end of each year.

  • Remaining Calendar Year Deductible Amount

    The amount of money you still owe towards your deductible.

  • Hospital Copay

    The amount you will pay for each hospitalization (including weight loss surgery). Does not count towards reaching the Calendar Year Deductible.

  • Hospital Coinsurance

    The percentage of the total bill you are required to pay after you have “paid off” your Calendar Year Deductible.

  • Out of Pocket Maximum

    This is the most you will have to pay through deductible and coinsurance before your plan pays 100%. You will still be responsible for copayments, such as:

    • Office visits
    • Hospital copays
    • Prescription drugs
  • Total Year-to-Date Coinsurance Paid

    The total amount of coinsurance you have paid so far this calendar year. This is needed to determine whether your weight loss procedure will cause you to reach your annual out of pocket maximum.

If Your Policy Does NOT Cover It: Seek Partial Coverage

You may be able to get part of the costs paid for by insurance even if weight loss surgery isn’t covered. It’s all about how your doctor and hospital submit your claims to your insurance company.

For example, there are many non-bariatric surgery reasons for your doctor to recommend:

  • Cardiology exam
  • Lab work
  • Medically supervised diet program
  • Psychological exam
  • Sleep study

These are ordered for many reasons other than bariatric surgery and may be covered as a result. If your doctor submits one of these claims using a weight loss surgery CPT code (Current Procedural Terminology Code), your insurance is unlikely to cover it. But if your doctor uses a general CPT code, it probably will be covered.

While this may sound “sneaky”, it is an ethical practice. After all, these tests will be beneficial regardless of whether you move forward with surgery.

Find a Top Surgeon

The U.S. Insurance Approval Process

The entire Lap-Band insurance approval process takes between 1 and 12 months. The typical approval process usually happens in these steps:

  1. Your body mass index (BMI) requirements are confirmed by your physician:
    • BMI over 40 –OR–
    • BMI over 35 with one or more of the following:
      • Clinically significant obstructive sleep apnea
      • Coronary heart disease
      • Medically refractory hypertension
      • Type 2 diabetes mellitus
      • Other obesity-related health issues
  2. Complete 3 to 7 consecutive months of a medically supervised diet program.
  3. Schedule a consultation with your bariatric surgeon.
  4. Schedule a consultation with your primary care physician to get a medical clearance letter.
  5. Schedule a psychiatric evaluation to get a mental health clearance letter.
  6. Schedule a nutritional evaluation from a Registered Dietitian.
  7. Send the following to your insurance company:
    • All the above documentation
    • Detailed history of your obesity-related health problems
    • Difficulties and treatment attempts
  8. The review process usually happens in under one month.
  9. Insurance company sends approval or denial letter:
    • If approved, your surgeon’s bariatric coordinator will contact you for scheduling.
    • If denied, you can choose to appeal the denial.

Your bariatric surgeon’s office will do most of this legwork for you. They may even have all the required people on staff (registered dietitian, psychiatrist, bariatric coordinator, etc.).

Click here to access the weight loss surgeon directory to get started. Most offices will check your insurance for free to confirm coverage criteria.

For more information about Lap-Band insurance, see our Bariatric Surgery Insurance Patient Guide.

Disability Insurance During Recovery

Your employer decides whether to offer Disability insurance (DI). You can continue coverage as an individual if you leave the company.

DI pays you a percentage of your monthly income if you are unable to work. Short term disability insurance (STD) usually pays 66 2/3 of your salary for the first 90 or 180 days of your recovery.

Disability insurance usually includes pre-existing conditions limitations. The best way around this is to sign up during the initial enrollment period (when you’re hired). They might not allow you to enroll at any other time. You then need to stay enrolled for the entire “pre-existing conditions exclusionary period,” which lasts between 6 and 12 months. Call your insurance company, talk with HR, or review your plan documents for details.

2.  Canada: Covered, But Long Wait Times

Jurisdictional Health Care in several provinces cover Lap-Band surgery, including:

  • Alberta
  • British Columbia
  • Manitoba
  • Newfoundland and Labrador
  • Nova Scotia
  • Ontario
  • Quebec
  • Saskatchewan

If you want insurance to pay, wait times can be very long, ranging from 2 years to over 10 years.

If you don’t want to wait, you have two options:

  1. Insurance may pay for surgery outside of your province. But most provinces will not cover any expenses other than the surgery itself.
  2. Finance bariatric surgery on your own and receive treatment in a private facility.

Most weight loss surgery patients in Canada take the self-pay option. Private-pay clinics perform two-thirds of all weight loss surgeries in Canada (4).

See our Weight Loss Surgery in Canada Patient Guide for more information.

Click here to find a private-pay clinic in Canada or the United States.

3.  Australia: Covered by Medicare & Private Insurance

The cost of Lap-Band surgery in Australia averages $23,100 AUD before Medicare rebates and insurance.

Australian Medicare will pay for part of Lap-Band surgery as follows:

  • Apply a set rate to your procedure that is much lower than the actual costs
  • Pays 75% of that set rate

But the rebate amount will still leave the majority of costs up to you and your private insurance.

For example:

  • If the total procedure costs = $10,000
  • And Medicare’s set rate is $850
  • Then Medicare will pay $637.50 of the total bill ($850 X 0.75)
  • You and your private insurance will be responsible for the balance

To get the current reimbursement levels for Lap-Band:

  1. Click here to access the Medicare Benefits Schedule (MBS) database
  2. Type in Lap-Band Item Number 31569

Private insurance in Australia covers bariatric surgery, but you will need to wait at least 12 months after joining a health fund. After insurance and Medicare pay their part, you will need to pay between $1,700 and $5,300.

Contact your health fund directly for costs and coverage information. Provide them with the same Lap-Band Medicare Item Number: 31575.

Click here for a full list of Australian health funds and their contact information.

Click here to find a top bariatric surgeon in Australia or review our Australia Patient Guide.

02Cost Without Insurance
  • Total Cost: $15,000, on average
  • Loan Payment: $334/month, on average
  • Discounts & Tax Savings: Usually available

Do you have insurance that covers weight loss surgery?

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cost of lap band surgery

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5

Years

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This tool provides estimates only. Please contact your insurance company to verify your actual loan estimator.

Your Location

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about discounts:

Contact a Surgeon for a Specific Quote

DISCOUNTS
6 Discounts to Ask Your Surgeon About

Talk with your surgeon about whether any of these discounts are available:

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If you don’t have insurance and ask a surgeon for a Lap-Band quote, you will get one of 3 responses:

  • No Self-Pay Option – Some practices only work with patients who have insurance.
  • Partial Quote – Some practices only quote the the surgeon’s and surgeon assistant’s fees. They don’t know the cost of services that are not under their direct control, like hospital fees. Most of these surgeons can provide phone numbers for you to conduct that cost research on your own.
  • All-Inclusive Packages – Many practices quote an an up-front, all-inclusive cost. If any costs are not included in the package, they should outline those as well. These programs often include between 3 and 13 months of follow up visits in their packaged price.

Click here to find a top surgeon to ask for a self-pay quote

1.  How to Get Weight Loss Surgery Insurance in the U.S.

There are 2 ways to get Lap-Band surgery insurance if you don’t already have it:

  • The Affordable Care Act (“Obamacare”) requires insurance companies to include weight loss surgery coverage in some states. You may be able to sign up for one of these plans. See our Obamacare page for more information.
  • Convince your company to add it to your plan. If you work for a company with 50 or more employees, they decide if your plan includes bariatric surgery. There are many good business reasons for adding it that they may respond well to. Click here for information to share with your HR department.

2.  Discounts: 6 Discounts to Ask Your Surgeon About

Talk with your surgeon about whether any of these discounts are available:

  • Self-Pay Discounts. Most surgeons offer self-pay discounts or payment plans. Just ask!
  • Other Discounts. Some offer discounts if you pay the total amount in advance.
  • Same Surgeon, Different Hospitals. Some surgeons operate at more than one hospital. Hospital costs make up the biggest part of the bill, so find out if your surgeon has a choice.
  • Pre-Op Costs. Some surgeons include pre-op costs in their quoted fees. Pre-op costs include things like testing and office visits.
  • Complications. should they arise, may increase total costs. Ask your surgeon who will pay if a complication arises during surgery. Some surgeons will include the cost of any complications in their quote while others will charge extra.
  • Health Insurance That Does Not Include Bariatric Surgery. You may still get insurance to pay for some costs that could be applied to covered treatments. For example, lab work is needed for many reasons outside of bariatric surgery. Your surgeon can help you find the loopholes in your plan.

03Cost Without Insurance – By Location
  • Click here for state-specific costs
  • United States: $15,595 USD
  • Canada: $17,840 CAD
  • Australia: $3,415 AUD
  • United Kingdom: £5,075
  • International (Medical Travel): $5,800 USD

cost of lap band surgery

Select a province or cost tier

$32,000

AVERAGE
lap band® COST IN

MINNISOTA

Including Albany, Buffalo, New York City / Manhattan, Rochester, Watertown and Other Areas

Click your province in the map or select a cost tier below

Cost tier

Cost

$$$

HIGHEST COST STATES $18,000 - $34,000 range

If you do not have lap band® insurance, the highlighted states above will be the most expensive. If you have insurance that covers gastric sleeve, your out of pocket costs will be about the same in all states.

$$

AVERAGE COST STATES $12,000 - $18,000 range

If you do not have lap band® insurance, the highlighted states above will have mid-level costs. If you have insurance that covers gastric sleeve, your out of pocket costs will be about the same in all states.

$

LOWEST COST STATES $8,000 - $12,000 range

If you do not have lap band® insurance, the highlighted states above will be the least expensive. If you have insurance that covers gastric sleeve, your out of pocket costs will be about the same in all states.

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The cost of Lap-Band surgery depends on where it is performed and:

  • Cost of living in the area
  • Local competition (how many surgeons)
  • Local Medicare and Medicaid populations
  • For-profit or non-profit status of the hospital used

Click below for region-specific Lap-Band cost information.

For a specific price in your location, click here to contact a surgeon and ask for a free quote.

1.  United States: $15,595

State averages are between $10,000 and $34,000 (U.S. dollars), but the overall U.S. gastric banding average cost is $15,595. Following is the average cost of lap band surgery for each state according to our annual surgeon survey.

Click here to ask for a free cost quote from a surgeon in your area.

Following is the average cost of lap band surgery for each state according to our annual surgeon survey…

RegionRegion
Average CostAverage Cost
RegionALABAMA
Average Cost$14,320

ALABAMA surgeons surveyed are located in Birmingham, Decatur, Huntsville, Mobile, Montgomery and Tuscaloosa

RegionALASKA
Average Cost$33,587

ALASKA surgeons surveyed are located in Anchorage

RegionARIZONA
Average Cost$13,914

ARIZONA surgeons surveyed are located in Flagstaff, Mesa, Phoenix, Prescott, Scottsdale, Tempe and Tucson

RegionARKANSAS
Average Cost$14,131

ARKANSAS surgeons surveyed are located in El Dorado, Fayetteville, Fort Smith, Jonesboro, Little Rock and Pine Bluff

RegionCALIFORNIA
Average Cost$15,826

CALIFORNIA surgeons surveyed are located in Bakersfield, Burbank, Chico, Fresno, Los Angeles, Orange, La Jolla, Modesto, Oakland, Poway, Riverside, Sacramento, San Diego, San Francisco, San Jose and Santa Barbara

RegionCOLORADO
Average Cost$10,745

COLORADO surgeons surveyed are located in Colorado Springs, Denver and Fort Collins

RegionCONNECTICUT
Average Cost$18,004

CONNECTICUT surgeons surveyed are located in Farmington, Glastonbury, Meriden, Middletown, New Haven, Norwalk, Shelton and Stamford

RegionDELAWARE
Average Cost$12,404

DELAWARE surgeons surveyed are located in Dover, Newark and Wilmington

RegionFLORIDA
Average Cost$13,385

FLORIDA surgeons surveyed are located in Ft. Meyers, Gainesville, Jacksonville, Miami, Naples, Ocala, Orlando, Sarasota, St. Petersburg, Tallahassee, Tampa and West Palm Beach

RegionGEORGIA
Average Cost$15,322

GEORGIA surgeons surveyed are located in Albany, Athens, Atlanta, Augusta, Columbus, Decatur, Macon, Marietta and Savannah

RegionHAWAII
Average Cost$20,396

HAWAII surgeons surveyed are located in Aiea, Kailua-Kona, Honolulu and Wailuku

RegionIDAHO
Average Cost$11,295

IDAHO surgeons surveyed are located in Boise, Meridian, Montpelier, Nampa, Pocatello and Post Falls

RegionILLINOIS
Average Cost$15,337

ILLINOIS surgeons surveyed are located in Chicago, Champaign, Decatur, Naperville, Peoria, Rockford and Springfield

RegionINDIANA
Average Cost$16,536

INDIANA surgeons surveyed are located in Bloomington, Evansville, Fort Wayne, Gary, Indianapolis and South Bend

RegionIOWA
Average Cost$17,482

IOWA surgeons surveyed are located in Cedar Rapids, Davenport, Des Moines and Iowa City

RegionKANSAS
Average Cost$13,384

KANSAS surgeons surveyed are located in Topeka, Lenexa, Wichita, Overland Park, Olathe, and Kansas City

RegionKENTUCKY
Average Cost$14,293

KENTUCKY surgeons surveyed are located in Lexington, Louisville and other towns.

RegionLOUISIANA
Average Cost$13,291

LOUISIANA surgeons surveyed are located in Alexandria, New Orleans, Shreveport and other towns

RegionMAINE
Average Cost$21,188

MAINE surgeons surveyed are located in Augusta, Bangor, Portland and other towns

RegionMARYLAND
Average Cost$18,871

MARYLAND surgeons surveyed are located in Baltimore, Salisbury and other towns

RegionMASSACHUSETTS
Average Cost$16,959

MASSACHUSETTS surgeons surveyed are located in Boston, New Bedford, Pittsfield, Springfield, Worcester and other towns.

RegionMICHIGAN
Average Cost$15,661

MICHIGAN surgeons surveyed are located in Ann Arbor, Detroit, Grand Rapids, Lansing and other towns.

RegionMINNESOTA
Average Cost$21,640

MINNESOTA surgeons surveyed are located in Minneapolis / St. Paul, Rochester and other towns

RegionMISSISSIPPI
Average Cost$13,130

MISSISSIPPI surgeons surveyed are located in Jackson, Hattiesburg, Meridian, Tupelo and other towns.

RegionMISSOURI
Average Cost$16,167

MISSOURI surgeons surveyed are located in Columbia, Kansas City, Springfield, St. Louis and other towns

RegionMONTANA
Average Cost$18,064

MONTANA surgeons surveyed are located in Billings, Bozeman, Helena and other towns

RegionNEBRASKA
Average Cost$15,450

NEBRASKA surgeons surveyed are located in Lincoln, Omaha and other towns

RegionNEVADA
Average Cost$14,143

NEVADA surgeons surveyed are located in Henderson, Las Vegas and Reno Areas

RegionNEW HAMPSHIRE
Average Cost$20,088

NEW HAMPSHIRE surgeons surveyed are located in Manchester, Nashua and other towns

RegionNEW JERSEY
Average Cost$12,448

NEW JERSEY surgeons surveyed are located in Newark, Trenton and Other Areas

RegionNEW MEXICO
Average Cost$14,674

NEW MEXICO surgeons surveyed are located in Albuquerque, Las Cruces, Santa Fe and Other Areas

RegionNEW YORK
Average Cost$19,557

NEW YORK surgeons surveyed are located in Albany, Buffalo, New York City / Manhattan, Rochester, Watertown and Other Areas

RegionNORTH CAROLINA
Average Cost$17,399

NORTH CAROLINA surgeons surveyed are located in Asheville, Chapel Hill, Charlotte, Durham, Greensboro, Greenville, Raleigh, Wilmington, Winston-Salem and Other Areas

RegionNORTH DAKOTA
Average Cost$18,975

NORTH DAKOTA surgeons surveyed are located in Bismarck and Grand Forks

RegionOHIO
Average Cost$16,209

OHIO surgeons surveyed are located in Akron, Cincinnati, Cleveland, Columbus, Dayton and Other Areas

RegionOKLAHOMA
Average Cost$11,350

OKLAHOMA surgeons surveyed are located in Norman, Oklahoma City, Tulsa and Other Areas

RegionOREGON
Average Cost$18,689

OREGON surgeons surveyed are located in Portland, Bend, McMinnville, Salem, Medford, Springfield, Eugene, Beaverton, Corvallis, and Coos Bay

RegionPENNSYLVANIA
Average Cost$16,991

PENNSYLVANIA surgeons surveyed are located in Allentown, Altoona, Harrisburg, Lancaster, Philadelphia, Pittsburgh and Other Areas

RegionSOUTH CAROLINA
Average Cost$12,397

SOUTH CAROLINA surgeons surveyed are located in Anderson, Charleston, Columbia, Greenville, Myrtle Beach, Rock Hill and Other Areas

RegionSOUTH DAKOTA
Average Cost$13,493

SOUTH DAKOTA surgeons surveyed are located in Dakota Dunes, Rapid City and Sioux Falls

RegionTENNESSEE
Average Cost$14,163

TENNESSEE surgeons surveyed are located in Chattanooga, Knoxville, Memphis and Nashville

RegionTEXAS
Average Cost$10,558

TEXAS surgeons surveyed are located in Abilene, Amarillo, Austin, Corpus Christi, Dallas / Ft. Worth, Houston, Lubbock and San Antonio

RegionUTAH
Average Cost$13,335

UTAH surgeons surveyed are located in Provo, Salt Lake City and St. George

RegionVERMONT
Average Cost$12,245

VERMONT surgeons surveyed are located in Burlington, Montpelier and Springfield

RegionVIRGINIA
Average Cost$18,452

VIRGINIA surgeons surveyed are located in Charlottesville, Newport News, Norfolk, Richmond, Roanoke, Virginia Beach and Other Towns

RegionWASHINGTON
Average Cost$16,179

WASHINGTON surgeons surveyed are located in Everett, Olympia, Seattle, Spokane, Tacoma, Vancouver and Other Areas

RegionWASHINGTON DC
Average Cost$12,790
RegionWEST VIRGINIA
Average Cost$16,586

WEST VIRGINIA surgeons surveyed are located in Charleston, Huntington, Morgantown and Vienna

RegionWISCONSIN
Average Cost$17,204

WISCONSIN surgeons surveyed are located in Eu Claire, Green Bay, La Crosse, Madison, Milwaukee and Other Areas

RegionWYOMING
Average Cost$12,134

WYOMING surgeons surveyed are located in Afton, Cheyenne and Riverton

2.  Canada: $17,840 CAD

Below were the results of our Self-Pay Lap Band Cost Survey for each province.

Click here to ask for a free cost quote from a surgeon in your area.

Following were the results of our Self-Pay Lap Band Cost Survey for each province…

RegionRegion
Average CostAverage Cost
RegionBRITISH COLUMBIA
Average Cost$16,690
RegionQUEBEC
Average Cost$19,031

If you have insurance and are willing to waitbetween 2 and 15 years to have your surgery (depending on the facility), lap band surgery is covered in the following provinces: Alberta, New Brunswick, Nova Scotia and Quebec.

3.  Australia: $3,415.00 AUD

Below are the results from our Australian Lap-Band Cost Survey.

Click here to ask for a free cost quote from a surgeon in your area.

The following are results from our Lap-band cost surgery:

RegionRegion
Average CostAverage Cost
RegionNEW SOUTH WALES
Average Cost$4,821

NEW SOUTH WALES surgeons surveyed are located in Sydney

RegionQUEENSLAND
Average Cost$4,568

QUEENSLAND surgeons surveyed are located in Brisbane and Gold Coast

RegionSOUTH AUSTRALIA
Average Cost$2,961

SOUTH AUSTRALIA surgeons surveyed are located in Adelaide and Barossa Valley

RegionTASMANIA
Average Cost$1,726

TASMANIA surgeons surveyed are located in Hobart

RegionVICTORIA
Average Cost$4,191

VICTORIA surgeons surveyed are located in Melbourne

RegionWESTERN AUSTRALIA
Average Cost$2,233

WESTERN AUSTRALIA surgeons surveyed are located in Perth

5.  International (Medical Travel): $5,825 USD (lowest)

Following are average Lap-Band costs by country (in U.S. Dollars for comparison purposes):

  • Costa Rica – $9,250
  • India – $9,265
  • Mexico – $6,101
  • Thailand – $11,852

Click here for an in-depth review of medical travel for Lap-Band surgery.

04Cost Vs. Remaining Obese
  • Patient will save ~ $11,000 per year after year 2, post-surgery

cost of lap band surgery

Cost Savings After Surgery

Click to Collapse SectionClick to Learn More

Most insurance companies that cover weight loss surgery will provide coverage for most lap band costs, doctor visits and supplements. So if you have insurance that covers it, you’ll only be on the hook for any applicable copays, deductibles and coinsurance.

If you don’t have insurance or have a high deductible that you need assistance with, several financing options are out there to give you a hand.

Click the following links for more information:

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05Cost Breakdown
  • Pre-Op (before surgery)
  • Standard costs during surgery
  • Non-standard costs during surgery
  • Post-Op (after surgery)

cost of lap band surgery

Pre-Op
(Costs Before Surgery)

  • Physician-supervised weight loss program (required)
  • Dietitian/nutritionist consultations
  • Psychologist (mental health clearance)
  • Cardiologist (heart health clearance)
  • Lab/blood work, echocardiogram (also known as an “ECG” or “EKG”) and/or X-Ray fees
  • Surgeon consultation fees
  • Sleep study

Standard Costs
During Surgery

  • Hospital fees
  • Surgeon fees
  • Surgical assistant fees
  • Anesthesia fees
  • Operating room fees
  • Device costs

Unstandard Costs
During Surgery

  • Pathologist fees (for reviewing biopsies, if necessary)
  • Radiologist fees (for reviewing x-rays, if necessary)

Post-Op
(Costs After Surgery)

  • Addressing any complications
  • Follow-up doctor visits
  • Bariatric vitamins
  • Extra food costs (healthier food tends to cost more)
  • Personal trainer and/or gym membership
  • New clothes (wait to go crazy with this until you reach your plateau weight)
  • Plastic surgery to remove sagging skin (more on this in the Downsides section below)

06Cost Vs. Other Procedures
  • With Insurance: Tied for Lowest Cost
  • Without Insurance: 6th Lowest cost out of 7

Lap-Band surgery is tied for the lowest-cost procedure if your insurance covers weight loss surgery. If your insurance does not cover it, it has the 3rd lowest average total cost.

07Financing Options
  • 7 ways to make surgery more affordable

cost of lap band surgery

Click the buttons to learn more about each financing option.

Payment Plan Through a Qualified Surgeon

Some surgeons offer a payment plan to make treatment affordable. Some allow you to pay them interest-free over time, while others will agree to charge you a very low interest rate. Some even offer reduced-cost or free weight loss surgery for those who can’t afford it.

If your surgeon is willing to work with you, your arrangement will almost always be set up on a one-off basis. Always negotiate a fully packaged up-front price for all services so there are no surprises down the road.

Click here to learn more.
Brokers, Direct Lenders, and Credit Cards (Unsecured Medical Loans)

Unlike secured loans, unsecured loans allow you to borrow money without putting up any collateral (such as your house). The trade off comes in the form of an interest rate that you pay back to the bank over the term of your loan.

Click here to learn more.
Friends & Family

Financing gastric sleeve surgery by borrowing money from friends and family will save you the interest that banks will charge, which can amount to thousands of dollars. You may be surprised how willing your loved ones are to help, especially after you educate them about gastric sleeve surgery’s impact to your obesity health issues.

Click here to learn more.
Secured Medical Loans

A secured medical loan is a loan from a bank or credit union that you back with some sort of collateral. If you don’t pay the loan back, the financial institution has a right to take ownership of whatever collateral you used.

The most commonly accepted form of collateral is your home (also called a mortgage loan).

Click here to learn more.
Retirement Plan Loans

Your 401(k), 403(b), or other retirement plan may allow you to take out a loan to pay for your gastric sleeve surgery.

Contact your HR department or your retirement plan provider to find out whether you plan allows hardship withdrawals. Hardship withdrawal provisions allows you to to take out money from your retirement plan for unreimbursed medical expenses for you, your spouse or your dependents.

Click here to learn more.
Permanent Life Insurance Loans

A form of life insurance called “permanent” life insurance includes an accumulation of a “cash value” that can be borrowed against.

If you already have permanent life insurance, this may be an option for financing gastric sleeve surgery. If you don’t, this will not be an option as it usually takes years to accumulate enough cash value to pay for the surgery.

Click here to learn more.
Medical travel

Having gastric sleeve surgery in another country could save you a lot of money if you don't have insurance that covers the procedure.

Your decision about whether it’s right for you comes down to a few key factors:

  • Safety – before seriously considering it, understand the risks of traveling before and after surgery.
  • Money – weigh the savings and risks specific to your situation.
  • Travel Companion - you absolutely need someone you trust to go with you for support and to help you through the process. If no one you trust is able to go with you, it’s best to stick with bariatric doctors in your area.
Click here to learn more.
Click to Collapse SectionClick to Learn More

Lap-Band financing financing is available almost everywhere. It helps pay for:

  • The entire cost of surgery
  • The part that insurance doesn’t cover, like deductibles, copays, or coinsurance

Financing options to make Lap-Band surgery more affordable include:

  1. Payment Plan Through a Qualified Surgeon
  2. Brokers, Direct Lenders, and Credit Cards (Unsecured Medical Loans)
  3. Friends & Family
  4. Secured Medical Loans
  5. Retirement Plan Loans
  6. Permanent Life Insurance Loans
  7. Medical travel – having surgery in a location that is less expensive than where you live

08Tax Write-Offs
  • Bariatric surgery may be tax deductible
  • Tax-favored savings accounts help offset costs

cost of lap band surgery

Can you deduct your LAP-BAND® surgery costs?
Enter your info below to find out.

1
Does your insurance cover weight loss surgery?

Tip

You can deduct weight loss procedure expenses if all of your medical, dental, and prescription out of pocket costs are more than 10% of your adjusted gross income. We need to know whether or not you have insurance that covers bariatric surgery in order to estimate your out of pocket costs.

In order to determine your tax savings, we need to know if your insurance covers weight loss surgery. Click hereto use our Check My Insurance tool.

2
Annual Income

Tip

The IRS will use your adjusted gross income for this calculation. Adjusted gross income (AGI) is your total gross income minus specific deductions.

Click here to figure our your specific deductions
3
Total annual medical + dental + Rx payments
(NOT INCLUDING your weight loss procedure)

Tip

The number you enter should include anything medical-, dental-, or prescription-related that you've already paid and plan to pay out of your own pocket from January 1 through December 31 of this year.

Do NOT include any amount that is reimbursed or paid for by others. More specifically, the number you enter should include all medical and dental plan premiums, medical and dental treatment (e.g. deductibles, copays, and other out-of-pocket costs), and prescription drugs for yourself, your spouse, and your dependents.

For a full list of qualifying expenses, Click here.
4
Select a Procedure

Tip

You can deduct weight loss procedure expenses if all of your medical, dental, and prescription out of pocket costs are more than 10% of your adjusted gross income. We need to know which procedure you are considering in order to estimate your out of pocket costs.

YOUR RESULT

Yes, you can deduct everything you pay out of pocket for medical, dental, and prescription expenses.

The IRS allows you to deduct these costs as long as your total medical + dental + prescription drug out-of-pocket costs are greater than 10% of your adjusted gross income.

Based on your selections, it appears that your out-of-pocket costs will meet this requirement.

YOUR RESULT

No, you cannot deduct everything you pay out of pocket for medical, dental, and prescription expenses.

The IRS allows you to deduct these costs only if your total medical + dental + prescription drug out-of-pocket costs are greater than 10% of your adjusted gross income.

Based on your selections, it appears that your out-of-pocket costs will not meet this requirement.

Click to Collapse SectionClick to Learn More

Click your country below to find out if tax savings are available:

1.  United States: Might Be Deductible, Special Tax-Favored Accounts Available

Lap-Band surgery is tax deductible, which can have a big impact on the total cost of surgery.

You can deduct medical expenses if the costs are more than 10% of your adjusted gross income.

To receive the deductions, you’ll need to complete Schedule A of the IRS Form 1040. You’ll also need to save your medical bills and payment statements as proof.

Money in special savings accounts (or even your IRA) may also be a way to pay for part of surgery tax-free:

  1. Health Savings Account (HSA)

    You can open an HSA alongside a “qualified high deductible” health plan. Tax-free HSA money can be used pay for qualified medical expenses. No other account receives better tax treatment. You can even transfer IRA money into an HSA. See the IRS’s Site for more info.

  2. Archer Medical Savings Account (Archer MSA)

    Archer MSAs are like HSAs for the self-employed or small businesses. Click here for details.

  3. Health Reimbursement Account (HRA)

    HRAs are only offered by employers who set them up and contribute money to them. If your company offers one, make sure your plan allows the use of HRA funds to pay for “all qualified medical expenses.” Click here for more info.

  4. Flexible Spending Account (FSA)

    Both employers and employees can contribute to an FSA, also known by its IRS code, “Section 125”. Money from them can be taken out tax-free if it is used for qualified medical expenses. Click here to get the summary from the IRS.

2.  Canada: Is Deductible

Canada is generous compared to other countries when it comes to medical tax deductions. If you have a prescription, receipt, or other documentation, you can write them off.

If surgery is covered by your insurance, you can still deduct your:

  • Out-of-pocket expenses
  • Monthly insurance premium

If your income is below a certain amount, you may qualify for a tax credit called the refundable medical expense supplement.

3.  Australia: Might Be Deductible

You can write off your bariatric surgery expenses if the costs are over the Australian Taxation Office (ATO) threshold.

According to the ATO:

“To claim the net medical expenses tax offset in your tax return, you will need to know the total medical expenses you incurred for yourself and your dependants. You then deduct any refunds from Medicare, your health fund or any other reimbursements that relate to those expenses received during the financial year.”

Click here for updated Medicare Benefit Tax Statement information from the Department of Human Services.

09Help & Support
  • Ask the expert
  • Patient experiences

We would love to read your experiences with paying for Lap-Band surgery. Your insights are invaluable to making sure other people have the information they need to meet their goals.

We would also be happy to answer any questions you may have about Lap-Band cost or insurance issues.

Please use the form below to share your experience or ask a question.

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10Free Insurance Check & Cost Quote
  • Click here to find a top weight loss surgeon
  • Contact them and ask for a free insurance check or free cost quote

Most surgeons offer a free Lap-Band surgery cost quote and a free insurance check. Most also offer a free in-person seminar, free webinar, or free initial consultation.

Surgeons and their staffs are experts in all steps of the bariatric surgery process, including financing and insurance. Take advantage of their knowledge by contacting a local surgeon today.

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* Disclaimer: The information contained in this website is provided for general information purposes and your specific results may vary depending on a variety of circumstances. It is not intended as nor should be relied upon as medical advice. Rather, it is designed to support, not replace, the relationship that exists between a patient/site visitor and his/her existing physician(s). Before you use any of the information provided in the site, you should seek the advice of a qualified medical, dietary, fitness or other appropriate professional. Read More