April 9, 201313 yr Have any of you financed your surgery through your bank (chase, wells fargo ect..)? I am still trying to find a way to finance carecredit denied me i am crushed! I have insurance but dont meet the requirements 100%...
April 9, 201313 yr Have you considered a flexible spending account? That could help cover some of the costs.
April 9, 201313 yr You can try Lending Club. There is a credit check but then people decide to fund your loan or not. And you can explain your situation so say you have a low credit score because of spouse or something you can explain that.
April 10, 201313 yr Author Ok thank you for the suggestions I am trying everything I can...this really is so hard for me I have been trying to find a way but I may have to break down and save just for the surgery....totally wanted the surgery like LAST YEAR so hurt.....
April 10, 201313 yr Ok thank you for the suggestions I am trying everything I can...this really is so hard for me I have been trying to find a way but I may have to break down and save just for the surgery....totally wanted the surgery like LAST YEAR so hurt..... I work as a lender @ a local bank in my hometown. Most banks will finance medical needs based in your credit score & collateral. You will definitely get better terms & rates. I was also self pay & did mine through a 0% credit card. This offer is only good for 12 months. I have decided if I don't have it paid off before then I will do a loan through my bank:) good luck!!!
April 10, 201313 yr Have any of you financed your surgery through your bank (chase' date=' wells fargo ect..)? I am still trying to find a way to finance carecredit denied me i am crushed! I have insurance but dont meet the requirements 100%...[/quote'] I went thru True Results the worked out a payment plan for me! I was also denied by care credit. Bank wouldn't either because I had a bankruptcy.
April 10, 201313 yr Author I went to a few places as well as true results they only finance 5500 at my location so i would have to come up with the rest but i dont want to finance from two different lenders thats more money...i wish i could find a place that did 100% financing inhouse lol that would be too perfect...
April 11, 201313 yr I went to a few places as well as true results they only finance 5500 at my location so i would have to come up with the rest but i dont want to finance from two different lenders thats more money...i wish i could find a place that did 100% financing inhouse lol that would be too perfect... Do you have private insurance? I ask because the majority of us that are obese have a hiatal hernia and they can repair that the same as doing the lap band which covers the remainder???.
April 12, 201313 yr How do i find out if i have the hernia?... I went thru True Results and they set up the test to find it. Mine wasn't very big but enough. The procedure to find out the put you out and they put a camera down your throat. You may want to contact True Result and speak with a patient advocate. They will ask if you have heart burn. I had some but not a lot.
April 16, 201313 yr I to was turned down by care credit and it was devastating to me. I worked a part time job for 6 months to help pay down credit cards--then applied randomly online with Wells Fargo and was shocked that I was approved!! Don't give up, there is a way to make it happen! We are worth this. It's a gamble though now that I did it and read others stories about slipped bands, erosions ect I worry. My Insurance won't pay for anything related to this surgery
April 17, 201313 yr Author What kind of loan did you apply for? Honestly since I am going selfpay i am thinking about VSG or Plication something with less follow up doctor visits
April 17, 201313 yr I was self pay. My insurance would not pay. I put mine on a credit card. It was a special offer with 12 to 18 months to pay without interest. It was better than going thru a bank.
April 17, 201313 yr Author See my credit is fair but not good enough to get approved for that large Amount on a credit card...im so frustrated right now I just want to cry...I have had my mind set on this went through all this crap to try for approval from insurance....accepted that i will selfpay but now no one will finance me and my family is not very supportive either...
Have any of you financed your surgery through your bank (chase, wells fargo ect..)? I am still trying to find a way to finance carecredit denied me i am crushed! I have insurance but dont meet the requirements 100%...