The gallbladder is a small organ located in the upper right portion of the abdomen. It plays a vital role in breaking down the fat that you consume in order to produce energy. It stores bile, which is a liquid produced by the liver and released into the small intestine to help the absorption of fat and water. When a small amount of bile is released into the small intestine, it helps with the digestion of dietary fat, which is necessary for the body's normal function.
You'll know when your gallbladder is ailing because you'll start to experience pain in your upper abdomen. If it's not treated, it could lead to serious complications like liver failure and death. So, it's important to find a reliable doctor who can surgically remove your gallbladder.
Gallbladder removal surgery is a very common surgical procedure. But the cost of the surgery might be higher than you have expected. The good news is that you can use a variety of financing options to pay for your procedure. If you are struggling with high medical bills, then this article is for you. This blog will let you know how you can finance gallbladder removal surgery with bad credit.
Gallbladder Removal Surgery Cost
The cost of the gallbladder removal surgery may vary based on the location and hospital you are treating. The cost in the United States ranges from $6000 to $20000 in 2022. As per the research, the average cost for a gallbladder removal surgery in the U.S is $15,250. Here is a list of the price range for gallbladder removal surgery in the U.S based on location.
| Location | Price Range |
|---|---|
| New York, NY - Gallbladder Removal Average Cost | $5000-$11,500 |
| Chicago, IL - Gallbladder Removal Average Cost | $4,500 - $10,500 |
| Los Angeles, CA - Gallbladder Removal Average Cost | $6000-$14,500 |
| Washington, DC - Gallbladder Removal Average Cost | $4,800 - $11,300 |
| Miami, FL - Gallbladder Removal Average Cost | $4,500 - $10,500 |
| Dallas, TX - Gallbladder Removal Average Cost | $4,500 -$10,500 |
| Philadelphia, PA - Gallbladder Removal Average Cost | $4,700 - $11,000 |
Factors that Affect the Cost of Gallbladder Removal Surgery
Following are the factors that affect the cost of gallbladder removal surgery
Location of Hospital
The location of the hospital plays an important role to define the cost of the surgery. Especially if you are in a rural area of the country then it may cost you more than an urban area. As rural areas will have fewer hospitals and will have a monopoly on surgical procedures. That is not the case for urban or city areas as there is more competition between the hospitals and will provide more options for the surgical cost.
Inpatient or Outpatient Care
In inpatient care, the patient care is done by the hospital team. The hospital will be responsible for your needs till you recover from the surgery. In outpatient care, the patient's care is done until the surgical procedure is over. Then you will be discharged from the hospital. Obviously, inpatient care is expensive as there are service charges for room, bed, nursing, and other care.
Surgeon Cost
Most hospitals pay surgeons based on the surgery they perform. Highly experienced and trained surgeons will charge more from the hospital for the surgery. Also, hospitals will have a good reputation if they have highly qualified surgeons. Generally speaking, the “better” your surgeon is, the more expensive the surgery will be.
Medications and Follow-ups
The total cost associated with gallbladder removal surgery extends beyond the initial expectation. As you may have to pay for the follow-up care afterward. Every appointment after the surgery with the doctor will cost you some extra cash. Along with that, you have to pay for expensive medicines for a fast recovery from the surgery.
Medical Insurance
If the patients have the medical insurance done, they will pay less compared to uninsured patients. Both the insurance company and the insured patients will share the payment, as a result, it will cost less. If you do not have any health insurance, then you can apply for one. Here are some of the most affordable health insurance companies in the US.
Gallbladder Surgery Financing Options
Gallbladder Surgery is expensive and without insurance assistance, people are forced to pay from their pocket. But the good news is that there are a lot of gallbladder removal surgery financing options available.
A Loan From Pay My Medical
Pay My Medical is formed to provide medical financing services even if you have a bad credit history. At paymymedical.com you do not have to fill out long forms and do not have to visit any office. Our online platform will forward your application to our lenders and once accepted they will contact you for further process.
Pay My Medical has a wide range of lenders and can provide medical loans from $500 to $50,000 based on your requirements. All you have to do is to fill out our online form and provide all the authentic information as needed. If your application is valid, you can get a loan within 24 hours and the cash will be sent directly to your bank account.
Health Saving Account
If you have a Health Saving Account (HSA), then it is one of the best ways to finance your surgical procedure. A health saving account is a savings account where you put funds for your future medical expenses. This money in a health saving account or flexible spending account (FSA) is not taxed. Hence even if you do not have enough savings for your surgery, you can always take advantage of HSA or FSA.
Credit Unions
They are small organizations formed to help people in their community. These are cooperative groups of people of the same community, same race, or same ethnicity. As these groups are formed for the welfare of their community, you can ask for financing a loan from your credit union. Remember, you need to be a member of such unions before applying for a loan.
A Credit Card
Credit cards are other good options for paying for gallbladder removal surgery. Credit card providing companies can provide loans to some extent and you can eventually pay them back. But most credit card companies have high-interest rates on loans so it is better to limit your loan and combine it with other forms of payments.
Wrapping Up
Gallbladder removal surgery is an expensive surgery and the cost may vary based on the region and services provided by the hospital. Can’t afford gallbladder surgery? You don’t have to worry anymore. Pay My Medical is built for people just like you. We provide medical funding and financing to those who are in need. Apply for your medical loan today.