People often have a need to finance more than just elective surgery without insurance. Each type of need calls for a unique strategy.

Sometimes other non-surgical procedures are not covered. Other times patients travel overseas to reduce costs or need to use some type of home equipment. Other times they experience an emergency hospitalization and have left-over debts.


Many health insurance plans will not cover weight loss surgery that they deem as an elective medical procedure.

You may need to pay for the procedure out-of-pocket, and may not have the funding on hand. Several financing options allow you to undergo the procedure right away.

Be sure to protect your finances before signing on the dotted line.


Does your existing health insurance company or plan cover an upcoming elective surgery? If not, should you buy an individual policy that does? These important questions are difficult to answer because of the many gray areas.

The alternative is to borrow money to finance your scheduled operation. Having a 3rd party pick up the majority of expenses is far more affordable.


LASIK eye surgery is a common procedure requiring creative medical financing solutions. Most insurance plans classify the treatment as elective or cosmetic and do not pay benefits.

Your employer’s flexible spending account may be the ideal way to pay for this procedure, as it is a qualifying expense. Time the surgery to coincide with your new plan year.


Medical financing solutions are most limited for patients seeking funds for breast enhancement surgery when they have a bad credit history, no credit, or when they are unemployed.

Options improve for patients needing to reduce their chest measurements because of medical reasons such as neck and back pain.


State-based financial assistance programs come into play frequently for parents needing emergency and elective surgical procedures.

Emergencies can happen to anyone at any time. Preparation is your best defense. Patients schedule elective procedures, which allows the opportunity to optimize health insurance and tax strategy choices.