Insurance and Financing

It is the goal of NJ Bariatric Institute and all of its affiliated personnel to remain open, and to care for our patients. It is also our goal to participate in all insurance plans. The reality of the current environment however, is that not all insurers provide payment which covers the cost of medical services. Our organization sees the merit to providing an environment where care can be consistently delivered today and into the future, without interruption or concern about affordability. Unfortunately, not all insurers share this vision.

Insurance Coordinators:

Insurance policies are not written in plain language. They are not easy to read or interpret. The rules may be different policy by policy within a single company. For this reason, the Institute provides insurance specialists to help interpret your policy.

Confirmation of Benefits:

Our coordinators will perform a “Confirmation of Benefits” prior to your visit so they can help you identify your “rights and responsibilities” associated with your coverage. They will identify and make you aware of any unique requirements or inclusions specific to your policy.

Co-Pay Responsibility:

In the event that your insurance requires that you have an individual financial responsibility or co pay for physician or hospital services, it will be clearly stated. You will know what you are facing BEFORE you finalize any decisions.

Exclusions:

In the event that you have “exclusions” from Bariatric coverage, the coordinator will explain to you EXACTLY what that means, and the options which are open to you.

Financing:

In the event that you wish to proceed outside of insurance approved coverage, the coordinator can discuss facility pricing and individual financing options and payment plans.We have partnered with American HealthCare Lending.

American HealthCare Lending is the premier financing company in the healthcare industry. With over $5 Billion funded and over 300,000 applicants serviced through their lenders, this is a name and a program you can trust. Here are some of the benefits you’ll receive with a loan from American Healthcare Lending:

  • Immediate decisions for loans under $35,000
  • Term options out to 84 months (affordable monthly payments)
  • No collateral required
  • No prepayment penalties
  • Fast & easy application process
  • 100% Confidential

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Policy for Missed Appointments:
Please click here to view our policy for missing an appointment