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Medical Financing

Even if you’re healthy, you’re bound to seek medical care at some point in your life. While insurance covers many medical expenses, most insurance companies include at least some gaps. Health Savings Accounts and Flexible Spending Accounts may allow you to cover some expense, but those funds are limited to specific types of medical treatments.  For treatments not covered by FSAs, HSAs or insurance, LoanNow may be able to provide the medical financing that you need.

medical financingFSAs and HSAs 

FSAs are funds established in association with an employer-provided health insurance plan. Contributions may be made by both you and your employer. You may deposit up to 2500 dollars into an FSA annually, but you must use the funds by the end of the year or forfeit them. FSAs are also not transferable; if you leave your job, you lose your FSA.

HSAs can be established by any adult who has health insurance coverage through an eligible high deductible plan. Your employer may make contributions, but unlike FSAs, the money in an HSA is transferable if you change jobs, and money that is not spent by the end of the year may be rolled over.

Co-Pays and Deductibles 

Co-pays and deductibles can add up to present a serious financial burden. FSAs and HSAs can be used to cover co-pays and deductibles for eligible treatments. But if you have few or no funds stashed away in either an FSA or an HSA, you’ll have to cover co-pays and deductibles out of pocket. Medical financing from LoanNow can help ease the bite of co-pays and deductibles. 

Elective Surgical Procedures 

Corrective surgical procedures such as cleft palate repair or breast reconstruction after a mastectomy are ordinarily covered by insurance. Veneers to perfect your smile or hair transplants to cover your thinning mane, not so much. Funds from FSAs or HSAs are also generally not allowed to be used to cover the costs of elective surgical procedures.  Medical financing from LoanNow does not carry such restrictions, and is ideally suited to cover the costs associated with elective surgical procedures.

Dental Care 

If you have dental insurance, many costs associated with dental care are at least partially covered.  You may also be able to apply funds from FSAs or HSAs for dental care, depending on the procedure(s) you’re having done. Nonetheless, Medical financing from LoanNow is ideally suited to cover dental costs.

LoanNow for Medical Financing 

As the examples listed above illustrate, there are several instances when LoanNow could be the right choice for medical financing.   Whether you’re brightening your smile or slimming down your midsection, LoanNow has the funds you need. Why not check out LoanNow for your medical financing needs today!

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† Loan approvals are subject to underwriting criteria and the approval process may take longer if required items are not able to be verified online or additional items are requested.

‡ Funds will be distributed via ACH. Most banks will post the funds to your account by the next business day. One’s bank will determine when funds are actually available.

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