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The prepayment account is available to all patients. You just need $250.00 to open the account and can make payments as often as you wish. The payments just need to be $10 or more everytime you send one in. If you have any questions, please feel free to call the office.
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I got an awesome rate through one of my credit cards. 3.99% for the term of the loan. So what I'm doing is writing a line of credit off of that ( yes cash advances it's included in the rate ) depositing it into my checking account and going to make my appt. for my surgery as soon as the check clears. (sometime next week,yeah!) By doing it this way I'll beable to do a wire transfer and save the extra $100.00 with Dr. Berger. They said my min. payment will be around $77.00 a month give or take but I'll be paying way more than that since I don't have any other credit card debt to worry about. My sister in law is an auditor for the IRS and said I can write the entire surgery off on my taxes under medical expenses as long as it's not for cosmetic purposes.She said I can also deduct .20 per mile if we drive.Just save all receipts. So next years tax return should be a nice chunk, I'll take that and pay the rest off it off. Hope this helps! Good luck.
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Weare6, I completely agree. Medchoice called about an hour ago and said that they were only able to approve 2000 for the procedure (this is based on my husbands credit and he has better credit than I do....!!!) so again, I do think they are taking advantage of patients and their desires. It'll be hard waiting for a few more months, but I refuse to take a loan out with crazy fees and interest when we have good credit and don't deserve that. Times are just different I guess, sad....but I think in the long run everyone will be better off for it.
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I had my TR done last summer and chose to use credit... the monthly payments are well worth the PTLS being gone! I know credit is different now, less than a year later, but you can go online and look at a comp of all the different cards available and interest rates. I just went through and applied for a few and was able to get what I needed for under 6%. The medical financing just seemed like... well, like they're deffinitely taking advantage of people in a tough spot. I know things are different now, but it may be worth a try.
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My husband and I used MedChoice for part of the surgery and paid with our debit card for the rest. Goodbye savings but I think it's well worth it.
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CJ, I think they prey on the infertile couples because they know that most people are willing to pay anything to have another baby, or their first baby. Our credit cards all have lower interest rates than the Capital One loan we were approved for....but we keep a really really low limit on most of our cards so we only have 2 that could carry Chapel Hill's fee. Funny, we just went and bought a mower on one for my husband....and it'll be paid off in April. The mower is the exact amount needed to make up the difference for the surgery....LOL So we'll wait it out till April I suppose. I did turn in an application to Chapel Hill's finance company, just to see if it was worth pursuing, I'm sure the interest will be crazy though and on that one MedChoice they didn't approve us for very much anyway??? It's almost like God is telling us not to do this, hopefully I'm reading too much in to it though and he'll allow us the blessing of another child and the funds to get this reversal performed.
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I tried to get DH to consider using the credit card, but he said the interest was too high. We wont have to finance all of it, so we are looking into a small loan at a lower interest rate. Or we could wait and save, but I told DH my clock is ticking. lol
I know what you mean about the horrid interest rates. It's amazing what a credit card company can get away with sometimes.
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Thanks everyone I understand many of you live without credit, that's great. We use credit wisely, have good credit scores and a lengthy credit history. We have used it to buy both of our homes (we sold the first a few years ago) and also to finance vehicles...etc. We do not use credit everyday for normal expenses, but we do use it a lot of times (cards) for points...etc.
Just last year when we did our first IVF cycle, we used our credit card to pay for the medicines and for the procedure, then we paid it off just a week later with our savings. We managed to rack up a LOT of points for that, so I think that credit has it's place.
The Capital One loan was way way too high in interest anyway....not really sure why they prey on people and their desire to become parents with those ridiculous rates. We'll have the 2000 we need in a few months, to make up the total cost and then I suppose we'll schedule....I really just wanted it done by summer so I was trying to finance that last bit, sadly our current approval was through a company that doesn't work with Chapel Hill so that won't work.
Thanks again for the input....and congrats to those of you that live debt and credit free
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DH works mostly contract so he tends to get paid in lump sums so we were able to put part of it aside through his work. The rest we got from our tax return. We try to avoid credit as much as possible!
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We saved up until we could pay in full. We also choose not to use credit for anything. It goes faster than you think. When you want something very badly you find new ways to save a little more so you can schedule faster.
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We did it the old fashioned way (UGH), save, save, save! Used our tax return, had a rummage sale, didn't go out to eat for 6 months, saved silver change, cut back on groceries and DH worked overtime whenever he could. I guess "where there's a will, there's a way"! We also don't like to use credit and with things the way they are now, the credit card companies really seem to be tough as far as interest rates etc. No matter how you choose to go, it'll be worth the wait!
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We paid for over half and financed the rest through MedChoice. They give you 3 months with no payments or interest. Whatever you don't get paid off in those three months you then make monthly payments on it. I can't remember exactly what the interest rate was, it was pretty high about like a credit card would be. Hope this helps. Loretta
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We didn't use any credit; mainly because we choose not to use credit. I know other ladies have financed it and hopefully they'll chime in and give you some answers. Good luck!
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I understand many of you live without credit, that's great. We use credit wisely, have good credit scores and a lengthy credit history. We have used it to buy both of our homes (we sold the first a few years ago) and also to finance vehicles...etc. We do not use credit everyday for normal expenses, but we do use it a lot of times (cards) for points...etc.![[Frown]](frown.gif)
so that won't work.
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