FINANCING REVERSAL SURGERY
Surgeries like tubal reversal, Essure reversal and vasectomy reversal are considered elective surgeries. These surgeries…just like cosmetic surgeries… are not considered medically necessary. As a result, health insurance plans will almost never pay for fertility or cosmetic procedures.
Medical financing companies help patients to pay for elective surgeries like these that are not covered by health insurance. These companies can help you obtain what you otherwise may not be able to afford.
Financing surgery can be a great way to have reversal surgery now and pay gradually over time after your surgery has been completed. A Personal Choice has partnered with leaders in the industry of medical financing.
The financing companies below are accepted by our office:
- Advance Care Card
- My Medical Funding
- United Medical Credit
***Use the links towards the bottom of this page to apply directly to the companies for financing.***
We have selected these companies as the best medical financing companies to work with when financing tubal ligation reversal, vasectomy reversal, Essure removal, and Essure reversal surgery.
Financing reversal surgery can be a convenient way to have reversal surgery now without waiting to save for the full amount.
How to obtain financing for reversal surgery?
You need to apply to the financing company directly before you call our office to schedule your surgery.
Once the company approves your application you can schedule surgery with our office.
- CareCredit and Advance Care financing companies will provide you with a card, similar to a credit card, that can be charged at the time of scheduling surgery.
- United Medical will notify our office of your approved amount before you schedule.
Two of the more unique plans are the My Medical Funding Patient Direct Loan and United Medical Credit Patient Direct Loan. If you are approved the company will send you the money directly and you can then use this money to pay our office for surgery or travel related expenses.
After your surgery is completed, you are responsible for paying the financing company for your surgery over the time frame you agreed upon. Your interest rate and terms are established with the financing company at the time you were approved.
Financing surgery can be a great way to have surgery now…but pay later. The only downside to this approach is that you may end up paying more over time for your surgery because of added cost of interest accrued with financing.
Important points about financing reversal surgery
The following are important points to be aware of when financing reversal surgery with A Personal Choice.
- Qualification for financing is dependent on your financial situation and credit rating
- You are responsible for obtaining approval for financing
- After you have qualified we will need your financing information when you call to schedule surgery
You can use your CareCredit card to pay for out-of-pocket expenses not covered by medical insuranceuch as tubal reversal, Essure reversal , and special financing options are available that you may not be able to get with other credit cards.
Pay for health, and wellness care at over 250,000 enrolled providers across the nation. Once you’ve applied, you can use it again and again at any location that accepts CareCredit.
If you have CareCredit and are ready to schedule then call us now and we can help you get started. If you do not have a CareCredit account you can apply for credit and obtain your card using the link below.
Once you are on the CareCredit site you can apply for an account. Once you have your card and know your limit you can contact us to get started with scheduling.
CareCredit offers a variety of financing options. You will need to apply for CareCredit directly from their website. You will need to go through a credit approval process to see if you qualify.
The CareCredit card is a financing tool that acts like a credit card. If you qualify for the CareCredit 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. Since CareCredit card is process through a web-based portal credit card charge fees WILL NOT be applied.
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!
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 3.99% 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:
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
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 using this link below:
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.