Advance Care Card
The Advance Care Card is a great way to get surgery now and pay later. The application is simple and you can schedule surgery as soon as you are approved and receive your card.
Approved applicants may receive up to 14 months of interest free financing at very competitive interest rates. The Advance Care card offers borrower’s a better advantage than CareCredit because borrowers can obtain up to 14 months of interest fee financing. CareCredit card holders must pay accrued interest during their no payment period!
Click here to apply for Advance Care card
Apply for Advance Care Card Here!
With the Advance Care Card credit lines up to $25,000 are available with interest free periods of up to 14 months. Once approved, you will receive your Advance Care Card within 72 to 96 hours by priority mail and you can then schedule reversal surgery.
Ideal applicants are applicants with credit scores above 640; however, the company does have financing opportunities for applicants with credit scores less than 640.
The Advance Care card is a financing tool; however, the card is treated as a credit card. If you qualify for the Advance Care card and pay for your surgery at the time of scheduling then you can obtain the cash discounted price and avoid the higher surgery financing price. Credit card charge fees will apply.
Helpful Points When Applying For Advance Care
Before you apply for Advance Care you should be aware of the following important points:
- You must be at least 18 years of age
- You cannot have declared bankruptcy within the last 5 years
- You cannot have been referred to collections within the last 12 months
- Your minimum total household income must be at least $1,500 a month
In general your credit score determines the interest free period you will be offered:
- Credit score of 650 or higher… up to 14 months of interest free financing!
- Credit score 620 to 650…. up to 6 months of interest free financing!
- Credit score of 500 to 620… no interest free financing offered.
After you qualify for the Advance Care card, the company will mail you a card that looks just like a credit card. The Advance Care card functions like a credit card when being used to pay for surgery.
To access the financed money on the Advance Care Card, the card needs to be swiped on a credit card processing terminal and because of this the card holder will be charged a 3% processing fee when the card is used at A Personal Choice.
Although the Advance Care Card functions like a credit card, the card can only be used for services obtained by approved providers and cannot be used for non-medical expenses (ie gas, hotel, or food).
My Medical Funding: Offering Direct Patient Loans
If you have a low credit score or if you would like a direct patient loan then you can apply for a direct patient loan from the My Medical Funding Company using this link:
Credit Score Less Than 640? Apply to My Medical Funding
My Medical Funding is a direct loan program sponsored by the Advance Care company. They specialize in direct patient loans and will even loan money to those with lower credit scores. For some reversal patients this may be very appealing because the money will be sent directly to your bank account… you can use this money to obtain the lower cash discounted fee or use the money for travel related expenses.
United Medical Credit
Every day, medical providers perform necessary procedures for patient’s health and well-being. On many occasions patients are unable to pay upfront for these important medical procedures.
United Medical Credit assists patients by helping them finance medical procedures without hassle.
Through a network of experienced physicians and competitive lenders, United Medical Credit is able to provide you with the right medical financing options, at the best rates, and in a timely fashion.
United Medical Credit offers financing and loan options:
(1) UMC Provider Direct Financing
(2) UMC Patient Direct Loan
1. UMC Provider Direct Financing
UMC Provider Direct financing is a traditional surgery financing program.
If you are approved for UMC Provider Direct financing, then United Medical will send your surgery payment directly to A Personal Choice after your surgery is scheduled.
2. UMC Patient Direct Loan
United Medical Credit’s Patient Direct Program is a personal loan program.
If you are approved for United Medical Credit’s Patient Direct Program, then United Medical will send monies from your approved loan directly into your personal account.
UMC’s Patient Direct Program offers much more flexibility because money is deposited into the patient’s account before surgery is completed! This money can be used for any expenses related to your procedure.
The UMC Patient Direct Loan Program will fund amounts of up to $25,000. You can then use these funds to pay A Personal Choice directly for your surgery and to pay for travel, lodging, and food expenses!
Important Points About UMC’s Patient Direct Loan Program
*If you qualify for United Medical Credit’s Patient Direct Loan Program and pay for your surgery in full at the time of scheduling then you can obtain the cash discounted price and avoid the higher surgery financing price.
*Excellent credit is required to qualify for the Patient Direct Program. Not all applicants will qualify.
*The Patient Direct program is currently NOT Available for applicants residing in Colorado, Connecticut, Iowa, Maine, Maryland, New York, North Dakota, Pennsylvania, Rhode Island, Vermont and West Virginia.
How to apply for UMC Financing for reversal surgery?
Apply now for UMC financing by clicking on the United Medical Credit logo on this page or using this link:
Click here to apply for UMC Credit for Dr. Monteith’s office
Apply for United Medical Credit Patient Direct Loan or Provider Direct financing
With the best financing reversal company working with A Personal Choice it has never been easier to finance tubal reversal surgery or finance vasectomy reversal surgery.
United Medical has also partnered with A Personal Choice to offer patients financing for Essure reversal and Essure removal surgery.
Anna
I only have one of my ovaries and 1 fallopian tube. It’s been 6 years since my ligation and 4 years since I had a cyst removed and the 1 ovarie/tube. I’m 39 years old. Is it worth it at my age with only 1/2 the egg production?
Dr. Monteith
Anna
We have many patients who have reversal of one tube who become pregnant after tubal reversal. For more information: Testimonials after reversal of one tube
Even with one tube reversed you have a good chance of becoming pregnant…and your chance is really good if you have one tube and one ovary that is on the same side as the one remaining tube.
You should send us your tubal ligation reports for a free review and we can let you know if you are a candidate for reversal surgery. Your reports can be obtained from the medical records department where your tubal ligation surgery was performed.
If you want to understand our surgery process then watch this video: Reversal surgery with Dr Monteith: The Process
It will be very important to make sure you follow up with your doctor regarding any early pregnancy. One of the main risks of reversal is tubal (ectopic) pregnancy. If caught early they can treat an ectopic pregnancy with methotrexate medication. If caught late they may have to remove your tube. If you only have one tube and it gets removed then you can only have IVF (in-vitro fertilization).
If you send us your tubal ligation records we can review them free of charge. We charge $6,900 total plus $150 to schedule and we are located in Raleigh, North Carolina. Patients pay in full and out-of-pocket at the time of scheduling. All you have to pay for in addition to the surgical fee is the cost of travel, hotel, and food.
We do have a prepayment tubal reversal plan that allows you to save towards your reversal over a 3 year period.
Although $6,900 seems expensive…the alternative treatment in-vitro fertilization (IVF) average $12,000 to $14,000 and is about 40% successful!
The main advantage to tubal reversal is that every month you have a chance and you can become pregnant more than once.
The following link will answer most of your questions about reversal. This is the MOST HELPFUL INFORMATION to read when considering reversal at our office. Each question has a link to more information about the question: Frequently asked questions about tubal reversal
Call us at (919) 977-5050 8am to 5pm eastern standard time and we would be happy to speak with you.
Devan baker
Can you do a reversal on someone with chronns disease
Dr. Monteith
We commonly have patients with Crohn’s disease. It is not a problem for tubal reversal surgery.
Anonymous
I am 41 and had a tubal ligation almost 12 years ago. The hospital is unable to locate my records and the OB retired. I have two children, age 16 and 12. I have remarried and he has no children. What would be my best success rate??
Dr. Monteith
Tubal reversal 60% chance of success. IVF 30% chance each attempt.
Age matters so don’t delay…each year you wait you lose 12 chances and each year the chances become less.
We can reverse most tubal ligations….even if you have no records!
Many patients will come to us without records because they know we can repair most tubal ligation procedures…well over 90% of the time.
You should try to get your tubal ligation operative and pathology reports by going to the medical records department in the hospital where your tubal ligation was performed.
You should be able to request a copy of your tubal ligation operative report and a copy of the pathology report (a pathology report is only created when a segment of the tube is removed (typical with tubal ligations that involve tying and cutting the tubes). We can review these records free of charge.
You can personally request your record from the hospital where your tubal ligation was done using our Medical Records Release/Request form: Medical Records Release Form
You dont have to have your records to have tubal reversal at our center. You should consider our optional screening laparoscopy if you cannot get your tubal ligation records. Many patients come to us for reversal without records because they know we can repair most tubal ligations.
We charge $6,900 for tubal reversal surgery. Many women may not be able to obtain their records…some will have surgery because they know we can repair most tubal ligations. Others will add on a screening laparoscopy.
If you choose to have a screening laparoscopy we can look with a camera during the surgery and see if your tubes are repairable. If your tubes are not repairable or then we would offer you a refund of your surgical fee.
For more information: Screening laparoscopy and surgery refund
For more information: Screening laparoscopy and scar tissue
Call us at (919) 977-5050 8am to 5pm eastern standard time and we would be happy to speak with you.
The following link will answer most of your questions about reversal. This is the MOST HELPFUL INFORMATION to read when considering reversal at our office. Each question has a link to more information about the question: Frequently asked questions about tubal reversal