Questions with Financing? We Can Help
It seems like our finances get more difficult to manage each year. Gas prices, food prices, housing costs, and nearly every other pricing indicator continues to rise. This is making it harder for people across the economic spectrum to reach any number of financial and lifestyle goals.
Here at Innovations Medical, we are dedicated to making it as easy and convenient as possible for all of our patients to undergo the life-changing procedures they deserve. From flexible scheduling that allows patients to break up procedures, to financing options that spread treatment costs into affordable monthly payments, Dr. Bill Johnson believes in personalized care plans that can meet nearly any budget.
Finance Your Procedures Easily
Health care financing allows patients to get the help they need for elective procedures not covered by health insurance. Most of us do not have the ability to pay for cosmetic treatments out-of-pocket, but can easily afford monthly payments while enjoying the life-changing benefits of these procedures.
Innovations Medical is happy to offer a range of financing options and payment plans that provide value and convenience to our patients. We recommend exploring available services and getting pre-approved for financing before coming to our office. That way you can know your budget — so we can help you create the right treatment plan for you.
Pre-approvals are fast, and do not affect your credit score. Below is a simple two-step guide to understanding your credit profile and choosing a lender.
Step One: Understanding Your Credit and Credit Score
We recommend choosing from the lenders we work with based on your current credit score, or FICO score. Different lenders specialize and have experience in working with patients based on their credit history and other needs.
If you have checked your credit score recently, great! Move on to step two.
If not, there are more options than ever before to quickly and easily obtain your rating. Most banks and credit cards give you access to an updated monthly score that you view through your app, or when you log in to your account.
There are also a number of services that let you view your credit score for free on a trial basis. One popular and widely trusted option is www.creditkarma.com.
Step Two: Exploring Lenders
Now that you know your credit score, it’s time to find a lender that fits your budget and monthly payment goal.
At Innovations Medical, we recommend the following general guidelines:
650+ Credit Scores: We recommend Care Credit. Care Credit is accepted at most doctor’s offices, and has an excellent 0% interest option which can split the costs of procedures into 12 or 24 payments. If you have good to excellent credit, this is the option for you.
650+ Credit Scores Requiring Longer Payment Terms: If you have good credit, but you want or require longer payment terms, Ally Financing is a good option. Ally offers financing all the way up to 60 months. This is a popular option for patients doing more expensive procedures like tummy tucks or mommy makeovers.
500 – 650 Credit Scores: If your credit score is less than 650, we recommend using one of our other lenders. Credit scores under 650 typically do not get approved for 0% financing, but can often get approved for plans up to 60 months. United Medical Credit and Lending USA are two financing options that are easy to apply for.
Once you have a pre-approval, you can have a clearer picture of your potential budget as you discuss your treatment options with us here at Innovations Medical.
Contact Innovations Medical to Learn About Our Procedures and Financing Options
If you’re looking for life-changing cosmetic procedures to meet your lifestyle goals, Innovations Medical is here for you. Our skilled professionals help you decide which treatment is best for you – keeping you informed and confident in the next steps. We’ve been helping our patients look and feel their best since 2005, and even our most advanced procedures are often minimally invasive.