Question:
Does anyone know of a company that helps to finance medical surgeries?

I have very good, but expensive insuraaance (BCBC Federal PPO-what used to be High Option) I am currently dealing with a surgeon out-of-network, which means that I will have to come up with the out of pocket expenses BEFORE I can have the surgery done. This, to me, seems like I am a "self pay" as far as this portion is concerned. This is TOTALLY depressing, since my credit is not as favorable as I'd like. I'm asking my Mom, Dad, Sister and a close friend to help me get up $5,500 by June 1st, but nothing much is happening yet? Does ANYONE know who might be able to help me get an unsecured loan for this purpose? I've worked on my present job for 15 years, but saving money is difficult since both me and my husband are obese with life-threatening co-morbitities. This surgery is required so I can continue to live, an emergency...HELP!!!    — yourdivaness (posted on February 26, 2002)

February 26, 2002
A couple of options spring to mind. Can you do a home equity loan (or something else of that nature)? My job has a profit sharing program that allows you to borrow against your own vested money. Your best bet for an unsecured loan would be a finance company (higher interest but much more liberal approvals). You don't have to tell them the money is for surgery. Tell them you want to make some home improvements and take a vacation. Try some place like Beneficial or Household Finance. Best of luck!
   — Pam S.

February 26, 2002
http://www.google.com/search?hl=en&q=surgery+finance+companies
   — [Deactivated Member]

February 26, 2002
Since you have a federal insurance plan, I assume that you or your spouse is a federal employee. If this is the case, and you have a vested amount in the Thrift Savings Plan (TSP), you can take a loan against your TSP account. You pay it back into your account at G fund (government securities) interest rates. I believe that a medical emergency is one of the criteria under which you can take a loan against your TSP account. If you don't have a TSP account, another option is a credit union. Many federal employees and often some members of professional organizations are eligible for credit union memberships. This might be another source of a loan ... but if poor credit is the problem, it might be difficult to get an unsecured loan ... and you will most likely have to pay an exhoritant interest rate. If you have a TSP account to borrow against, that is your best bet.
   — Lynn T.