Serious Question Should I Prepay My Surgery Weeks In Advance?

[HondaCivicDude 29]

reason i asked is i dont want anything to go wrong here..i have only 2500 in the bank and a credit card ill be using to pay the other 5500 i owe i only have 1 card ..i lost my job may 7th but have been keeping up with all of my bills ..im going through CDL truck driving training but have no income and afraid credit card will decline my transaction when i get there..i already told them im going on vacation and mexico but didnt tell them what im doing there i just dont want anything to go wrong and get there finding out the cc wont pay because they somehow found out i no longer have a job or they see it as a medical bill or something i dont know am i overthinking this?...im afraid if i do pay upfront the doctor might not do as good a job? any advice would be appreciated

[Almont MI sleever 17]

My situation is similar to yours. I took out a personal loan to pay for my surgery and was afarid some of it might get spent or something might come up and then the money not be there. I wanted to pre pay but was afarid to so I'm interested in any response you may get. My suggestion would be to go to a bank and get a cash advance with the credit card. You can even call the number on the back and they will deposit it into your account for you without ever going to the bank. Then you could either put it in a savings account till its surgery time or go ahead and get your cashiers check to pay the balance. I'd love to know when your surgery is. Im mexico bound myself. May 28th with Dr. Garcia. sooooo excited!!!

[Foxbins 625]

I don't think the credit card company will find out that you don't have a job. They only care when you stop paying the bill. I would ask a lot of questions about the surgeon's refund policy if you decide to pay in advance--I have heard that it's sometimes hard to get deposits returned, to say nothing of the whole surgical fee, and sometimes situations happen that delay or cancel trips--I had gallbladder surgery and had to cancel a trip to Costa Rica at the last minute. If you do decide to pay in advance, get trip insurance just in case. It's pretty cheap for peace of mind.

[clk 3,519]

I did my surgery with Dr. Aceves and flew from Germany to do it. I paid by bank check more than two months before my surgery. There was no problem and my surgeon was just as awesome as I thought he'd be.

You could go either way on this. I'm sure there won't be an issue with them allowing the charge, provided you called and told them you're going to be in Mexico (so they don't deny the charge thinking it's fraudulent). You could also call your surgeon and pay now just to have the peace of mind.

~Cheri

[Nicki D 33]

Most of the surgeons either here in the U.S. or abroad and paying cash require payment in advance. I gues they do not want us filing bankruptcy on them.

[luvs2lose 8]

I got a loan from the bank for my surgery in MX. I paid in advance ( my surgery isnt until May 25th). I feel like its one less thing to worry about. I know I can get a full refund if I change my mind within 7 days of the surgery. I like having the peace of mind. Thats just me though. If you have a problem keeping money in the bank (like me!) then its probably a good idea to pay in advance, just find out the refund policy of your surgeon. Good Luck!!

C~

[hollirrose 249]

I only paid a $500 in advance with alighterme/obesityhelpinternational with Garcia in Mexico but I feel like if I would have paid the full amount, I would have been given a refund if I cancelled. Hopefully you will figure out what you need to do... And you will have one less thing to worry about! Good luck!