Just a little FYI about Care Credit for those who are 100% self pay.

[TXNurse77 0]

Total cost of all preliminary tests, labs, x-rays, etc was $9,900 and included unlimited office visits for the first year for seeing the surgeon just for a follow-up, fills, or anything d/t complications.

I applied to CC for a $10,000 line of credit. So I had to be very careful to pay a little ahead before my first pymt was due because the interest would have put me over the limit.

Okay so, as of today I owe $9,831.83 and my minimum payment due is $235.00 (second pymt). I paid extra on the first payment. I sent in $300.

Anyhow, the Regular APR is 26.99%, however I signed up for a fixed pymt reduced APR of 14.90%. But they have an even sweeter deal if you can afford it - 0% interest if paid in full in 6, 12, and 18 months.

So, really if you have to finance it through CC for 60 months you really want to try your best to make extra payments to help lower your OOP costs. If I paid just the monthly payment my band would end up costing $13, 957.00 over 60 months.

I thought this bit of info would be helpful to anyone who was looking around for a way to finance their band. Everyone's needs and budgets will be different. Good luck, and if you want it bad enough you will find a way to get it in time.

[ms.lady 3]

Although I have insurance approval already.............I thought that was very nice of you to post this information. Had I been self pay I would have found this info beneficial. Thank you for your assistance for others.