For many people considering weight loss surgery, a major concern can be the cost. Procedures like sleeve gastrectomy and gastric bypass surgery can be life-changing, offering a real chance to lose weight and reclaim your health. But they come with a price tag that can feel like a barrier. What many don’t realize, though, is that surgery is often more cost-effective in the long run than ongoing weight loss medications. According to the American College of Surgeons, metabolic and bariatric surgery reduces long-term medication needs and can lower the risk of future health problems.

Still, knowing it’s a smart investment doesn’t always make it affordable upfront. If you're exploring how to finance weight loss surgery, it's worth understanding the full picture—what it costs, what health insurance may cover, and which payment options can make it possible.

What Weight Loss Surgery Really Costs

At Clinique Michel Gagner, the surgery price is clear and transparent, reflecting the high standard of care our weight loss surgery clinic provides. While the final amount may vary depending on your individual needs, here’s an idea of what to expect for some of the more popular procedures:

• Laparoscopic Sleeve Gastrectomy: $17,000 CAD

• Laparoscopic Gastric Bypass: $19,500 CAD

• Revisions and conversions begin at $16,500 CAD
  

These fees typically include preoperative evaluation, the surgical procedure, operating room and hospital costs, and immediate follow-up appointments. Compared to the ongoing expenses of other weight loss methods, such as long-term GLP-1 medications, the investment in surgery often delivers better value over time—especially for patients facing weight-related health problems.

If you're planning your procedure, we recommend reviewing the full breakdown on our fees page and reaching out with any questions.

Will Insurance Cover It?

This is one of the most common and complicated questions: Will my insurance company cover weight loss surgery?

Bariatric surgery is publicly funded through provincial health plans when strict medical criteria are met. Most provinces, including Quebec, require a body mass index (BMI) of 40 or higher, or 35 with serious obesity-related health issues such as type 2 diabetes, high blood pressure, or sleep apnea. While coverage is available through the public system, access is limited — and wait times can often stretch from months to years. For many patients, especially those facing health risks or urgent quality-of-life concerns, the wait simply isn’t feasible.

At Clinique Michel Gagner, we operate outside the public system as a private surgical center, which means procedures performed here are not covered by RAMQ or provincial health plans. However, some patients with private or employer-sponsored insurance may be eligible for partial reimbursement of related services. Coverage varies from plan to plan, so we always recommend contacting your insurer directly to understand your specific entitlements.

Financing Options Beyond Insurance

When insurance coverage falls short—or isn’t available at all—there are still viable options.

At Clinique Michel Gagner, patients have access to flexible financing options through trusted third-party lenders like Medicard, CreditMedical, Affirm, and Beautifi. These organizations specialize in healthcare financing and are experienced in working with patients pursuing gastric bypass surgery and other bariatric procedures.

Monthly payments can be adjusted to suit your financial situation. Approval is often quick, so you don’t have to delay important care. Instead of saving for years, you can begin your transformation now—with support and structure already in place. Yes—you can get weight loss surgery on a payment plan.

Trusted Financing Partners

When insurance doesn’t cover your weight loss surgery, or you prefer a private setting with faster access and personalized care, third-party financing can bridge the gap. At Clinique Michel Gagner, we work with three trusted partners:

Medicard

Medicard is one of Canada’s leading healthcare financing providers. They offer:

• Full or partial coverage of the surgery cost

• Payment plans from 6 months to 6 years

• No down payment required in most cases

• Fast, no-obligation online approval

CreditMedical

CreditMedical has been helping Canadians finance medical and bariatric surgery procedures since 2001. Features include:

• Fixed interest rates

• Terms from 6 to 60 months

• No penalties for early repayment

• Simple application process with quick turnaround

Beautifi

Beautifi is a growing platform designed for health and wellness procedures, including gastric sleeve surgery, gastric bypass, and laparoscopic sleeve gastrectomy. Highlights:

• Instant pre-qualification with no credit impact

• Fully online, user-friendly experience

• Flexible terms up to 7 years

• Transparent fees—no surprises

Affirm (formerly PayBright)

Affirm is a flexible, fully online payment solution that helps you finance your care quickly and transparently.

• Instant decision at checkout, with no hidden fees or late penalties

• Pay in 4 interest-free installments or choose monthly payments up to 36 months

• No penalties for early repayment

• Simple, fully digital process with secure automatic payments

Accord D (Desjardins)

Accord D is a simple, accessible financing solution linked to your Desjardins Visa card, without impacting your primary credit limit.

• Creates a separate credit limit with its own interest rate, keeping your main credit line available

• Funds are deposited directly into your bank account and repaid through equal installments added to your monthly statement

• Flexible terms typically range from 6 to 120 months

• Option to repay in full or in part at any time without penalty

Moving Toward a Healthier Life

Financing is part of the journey—but it shouldn’t be the reason you put your health on hold. At Clinique Michel Gagner, we understand that weight loss surgery isn’t just about numbers—it’s about the opportunity to live a healthier lifestyle and gain control over your future.

This is a decision that requires courage, planning, and support. Whether you’re exploring how to finance weight loss surgery options, trying to navigate health insurance, or managing out-of-pocket expenses, we’re here to help.

Visit our payment options page to learn more, or get started today with our quick questionnaire. With the right guidance, you can take that next step with clarity and confidence—toward real, lasting change and meaningful lifestyle changes.