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In House Financing?

canadian_girl

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canadian_girl    7

canadian_girl
Posted (edited)

After much research I have decided to not go have surgery with dr Quinones but he is the only one I have found that provides in house financing. I am Canadian and can't get a medical loan without a co-signer which I don't have and being a single mom it will be years before I can save up the money. Does anyone know any other doctor who will do payments either in Mexico or the US? I am severely morbidly obese and need this surgery to save to my life.

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Edited by canadian_girl

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Adyn    18

Adyn
Posted

Hi canadian_girl

Which province are you from? wLS should be covered by your provincial healthcare. I know there is a wait time but might be something to look into. I recommend you speak to your family doctor. Good luck.

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canadian_girl    7

canadian_girl
Posted

Hi canadian_girl

Which province are you from? wLS should be covered by your provincial healthcare. I know there is a wait time but might be something to look into. I recommend you speak to your family doctor. Good luck.

Sent from my iPad using the BariatricPal App

I am in Alberta and yes it is covered but it currently a two and a half year wait.

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Erika Denise    26

Erika Denise
Posted

I applied with Citerra Finance for surgery at Tijuana Bariatrics with Dr. Garcia. I was approved for a partial amount (leaving me with a $1500 balance) due to my debt to income ratio (student loans). However, the rates on this loan were terrible. It was 22+% interest and also an additional $800 fee included in the loan.

I am currently working on my credit and have reached the average/good range, so I have no idea how my score effected the rates.

I decided I would give my credit union a try. I was approved for a credit card that has 1.9% interest for the first 12 months, and 9.99% after that. I intend to use that to pay for surgery instead.

I didn't mean to ramble, but I hope this gives you some insight. I wish you the best!

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Ldyvenus    317

Ldyvenus
Posted

I am using Medicredit for Dr. Joya, in Puerto Vallarta. It takes a few weeks, they will confirm with the doctors office and send you a check. In order to get a bank draft; the funds have to sit in the bank for 5 days. The interest rates are not awesome; and you definitely have to pre plan. But, it is another option.

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Lacey_dream    8

Lacey_dream
Posted

Dr Alvarez is awesome he actually cares about his patients.

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Go To Topic Listing Mexico & Self-Pay Weight Loss Surgery

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      Oh yeah, something I wanted to rant about, a billing dispute that cropped up 3 months ago.
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      A looong story short, is that an assistant surgeon that was in the process of accepting money from my insurance company touched me while I was under anesthesia. That is what the bill was for. But hey, guess what? Some federal legislation was enacted last year to help patients out when they cannot consent to being touched by someone out of their insurance network. These types of bills fall under something called, "surprise billing," and you don't have to put up with it.
      https://www.cms.gov/nosurprises
      I had to make a lot of phone calls to both the surgeon's office and the insurance company and explain my rights and what the maximum out of pocket costs were that I could be liable for. Also had to remind them that it isn't my place to be taking care of all of this and that I was going to escalate things if they could not play nice with one another.
      Quick ending is that I don't have to pay that $7,000+. Advocate, advocate, advocate for yourself no matter how long it takes and learn more about this law if you are ever hit with a surprise bill.
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