In-house Financing Mommy Makeover

ive lost 62 pounds over the past 14 months through hard work, exercise & eating better.  I desperately need a mommy makeover/tummy tuck.  I also have a large hernia that needs repairing.  I can put $3-$5k down upfront.  Any docs out there that will carry the remainder?  Care Credit turned me down ð??'

Will your insurance cover the hernia repair?

I would assume that doctors that offer in-house financing would probably check your credit score, just like CareCredit.

You are right. I found 1 dr who'll do in-house but it does come with a credit check.

as Laura said, I would look into your hernia repair, and I would want a bariatric surgeon to perform that not a ps.  your insurance should pay for a hernia repair, get that done first.  In the meantime you can save extra for your tt when it comes time for that.  Look for  board certified PS that perform the procedure in a certified surgical suite as the fees would be less than in a hospital.

good luck on your journey to become healthy

I have hernia that requires repair. The Bariatric surgeon will be doing this.  Depending on the results of the consult from the plastic surgeon, they MAY be able to do both the repair and a panni in the same surgical session.

Apparently this allows them to pro-rate some of the costs not covered by insurance. I'm to discuss it further with the business manager at the practice when the time approaches.

Maybe a call to surgeon's business office can provide some info/leads on financing options?

Yes my PS said he can do a panni & hernia repair at the same time. But he doesn't recommend a panni for me. He thinks the tummy tuck would be best. On another note I think I have decided to pursue WLS to help me get the remainder of this weight off before I go to PS. Thanks for responding :)

I agree...the insurance angle will help you get a better hospital and anesthesia rate. If you can find a plastic surgeon with general surgery training (there are still a few of us out there) you may also get a break on the surgeon's fee as he or she can also fix the hernia. An added benefit is that we typically do NOT use synthetic mesh for hernia repairs, and instead use your own tissues, which brings the risk of mesh-associated problems zero.

Sometimes large hospitals negotiate good rates with insurers, sometimes not. Smaller surgery centers (such as the ones in my area) can be out of network, and as a result you could have higher deducible. You may just have to check and see.

As for in-house financing, it's tough these days. If you do that, you are actually supposed to be regulated by the State, at least here in Texas. That was done to be sure some of these unethical lenders weren't taking advantage of people. Long answer, but hope it helps.

Thank you so much for the reply. For some reason I never received notifications that I had responses. I think my best option at this time is to have WLS to hopefully give me the best possible results before I proceed with the mommy makeover. Thanks once again!