self pay? anyone

please anyone know about getting the surg. financed.. my insurance will not help me at all .. i dont know what to do . i have st. of ga united health care hmo .. written ex. on this surg. anyone self pay . how and where did you get the loan......please any info will be helpfull.. thanks aimee

Aimee I have State of GA BCBS. do you have the option for different insurance comapnys if so I would advise changing insurance companys (we have several different choices)....I know our open enrollment is now. It may be cheaper on you that way....

Hi Aimee I took out a home equity line of credit to pay for my surgery. I know that isn't an option for everyone, but it was my best option @ the time. From my understanding there is a company called Care Credit that does medical financing & Capital One is supposed to have some plans as well. I hope that helps some. Good luck with everything & God Bless. Angel

Hi! Aimee! If you have a retirement plan, check and see if you can borrow against it to have the surgery! If you borrow against your retirement plan you can make monthly payments back into your retirement account. Some retirement plans will let you borrow funds from your account when you have an emergency situation, i.e., surgery, down payment for home, adoption, etc., or you may be able to withdraw the portion you put in; however, if you do withdraw the funds from your retirement fund the taxes will be deducted from the amount you can withdraw so be aware! You will also have to pay a penalty tax to the IRS at the end of the year! So make sure you find out how much that penalty tax is and put it away so you will have the funds to pay back to the IRS. Just a thought! ki