Finance Brain Surgery
If you do not have insurance coverage or your coverage is not sufficient to cover the full cost of brain surgery, it may be necessary to find alternative ways to finance the procedure. The costs can accumulate to tens of thousands of dollars. If extended intensive care is required, the cost can be much higher. Read on to learn finance brain surgery.
Instructions
1. Explore the options for some type of government assistance. Local and state government facilities can provide information about qualification standards. Your hospital's social services or business services can refer you to the appropriate channels for evaluation.
2. Recognize the possible need to use equity in your home to finance brain surgery. This is an option that exists for those who own a home or condo and have a large amount of equity. Many financial institutions offer a lower interest rate when refinancing is done for the purpose of medical treatment.
3. Ask your doctor about clinical trials for brain surgery. If no financing is available, this may be an option to receive treatment at no expense. It is important to understand that the treatment offered is experimental, but all expenses, including doctor visits and prescriptions, may be covered by the agency supporting the clinical trial.
4. Participate in a fund-raiser. Many communities come together during times of crisis to provide the financing needed for brain surgery. Church groups and community organizations often sponsor fund-raisers. Methods to raise money may vary from bake sales to auctions to having celebrities perform for a charitable event.
5. Use your savings. While this is not a good idea if it can be avoided, it may be the only means to finance a life-saving procedure such as brain surgery.
6. Take out a loan on your retirement fund. Only your banker or place of employment can give you the assistance you need to know if this is a viable possibility. Some funds are inaccessible regardless of need.
7. Ask the hospital about charity care. Many hospitals have a system in place that provides assistance for patients who are unable to pay for surgery. Qualifications vary for each hospital. The patient accounts department can give you the information you need to make an application.
8. Take advantage of interest-free loans from the hospital. Many hospitals offer a limited amount of time following discharge to pay the hospital charges without accruing interest. It is important to make these arrangements in advance in order to be considered for a no-interest loan.
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