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Financing Flexible Spending

Financing / Flexible Spending Denver

One of the main concerns for many people when considering weight loss surgery is the cost. When dealing with health insurance companies, the process can often seem long and complicated. Our bariatric coordinators can help make the process easier. Our office coordinators will assist you in every step of the weight loss process, including guiding you through the insurance approval process.

If you don’t have insurance, we will go over several options for you including cash pay discounts and ways to obtain medical loans if necessary. There is truly no better investment you can make than in your own health. Please see the financing section below for more information regarding self-pay and medical loan options.

If you have health insurance, the first thing to do is to confirm whether you have coverage for bariatric surgery. You should call the customer service number on the back of your insurance card. Ask if bariatric surgery is a covered benefit. Get a copy of your policy in writing.

Financing Options

Cost variables exist with each procedure. We will give you specific pricing at your initial visit or at the informational seminar. Keep in mind that the self-pay prices include the surgeon’s fee, the hospital fee following surgery, all operating room time, nursing staff, supplies, instruments, medications, Anesthesia fee, and your anesthesia team. It also includes your first 90 days of follow-up appointments.

Patients have the option of paying using most major credit cards or a certified check. If financing is necessary, we use the 4 financing companies listed below. Contact our office or the individual companies directly.

Prosper Healthcare Lending

Prosper Healthcare Lending is the premier financing company in the healthcare industry. With over $3 Billion borrowed and over 250,000 people empowered, this is a name and a program you can trust.

Here are some of the benefits you’ll receive with a loan from Prosper Healthcare Lending:

  • Immediate decisions for loans under $35,000
  • Longer terms for lower monthly payments
  • No collateral required
  • No prepayment penalties
  • Fast & easy loan inquiry process
  • 100% Confidential

E-Medical Financing Solutions

E-Medical Financing Solutions offers flexible payment options with low interest rates and 6-12 month no interest terms for qualifying applicants. Learn more by visiting:E-Financing Solutions

Med Loan Finance

Med Loan Finance works with people of all credit histories and backgrounds, and is dedicated to finding the perfect fit for their customer needs. Learn more by visiting: Med Loan Finance

Care Credit

CareCredit is a purchasing card that allow you to pay for your procedure like cash. (Please check with the office for more information on what financing plans we accept)  Learn more by visiting CareCredit.com.

Dr. John Weaver offers the following CareCredit Promotional Plans through CareCredit:

  • Purchases of $1,000 or more are eligible for a 24, 36 or 48 month offer and purchases of $2,500 or more are eligible for a 60 month offer. %APR and Fixed Monthly Payments Required Until Paid in Full on qualifying purchases made with your CareCredit credit card account. We do not accept no interest or interest deferred plans through Western Surgical Bariatric Center.


Dr. John Weaver is a BLIS certified surgeon. Becoming a BLIS Surgeon is a very selective process as determined exclusively by BLIS. This means that we meet very high standards of short term outcomes and long term patient success. As a result of our approval by BLIS, we are able to offer the innovative new insurance coverage which allows our self-pay patients coverage should a complication occur within certain time frames following surgery. This supplemental insurance must be purchased two weeks prior to your surgery.

 ** The BLIS complication protection insurance price is separate from the package price you will pay for your weight loss surgery. We are happy to provide our self-pay patients with the information regarding the insurance and it’s coverage.

** Other terms and conditions apply; please contact our office and review the self-pay contract for further details about this program.

Flexible Spending Accounts

Depending on your employment status, money accrued in special medical savings accounts, or even your IRA (Individual Retirement Account) could also be a bariatric surgery financing option.

Financing bariatric surgery may also be possible through the following tax-favored accounts:

  1. The HSA (Health Savings Account) – Individual, Small Business, or Large Employer (50+ employees) – HSAs can only be opened alongside a “qualified high deductible” health plan. No other account receives more favorable tax treatment.
  2. The Archer MSA (Archer Medical Savings Account) – Small Business – Archer MSAs are very similar to HSAs, except they are for self-employed individuals or small businesses.
  3. The HRA (Health Reimbursement Account) – Large Employer Only (50+ employees) – HRAs can only be offered by your employer, and only your employer can 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” as financing bariatric surgery is not allowed with some plans.
  4. The FSA (Flexible Spending Account) – Large Employer Only (50+ employees) – Both employers and employees can contribute to an FSA. FSAs can be offered alongside any health plan, and withdrawals from this account can be made tax-free as long as they are used to pay for qualified medical expenses.

Tax Deductible

Bariatric surgery IS tax deductible, which can have a big impact on the total cost of your surgery.

The official IRS rules state that you’re allowed to deduct medical expenses as long as the costs are higher than 7.5% of your adjusted gross income (IRS Publication 502, p. 2).

Throughout the United States, tax subsidies reduce medical costs for the non-elderly by over $208 billion annually.