After deciding to have a medical procedure comes the hard part:
figuring out how to finance it.
We’ve partnered with Citerra Finance, a medical loan company that offers convenient options to help patients pay for their medical expenses. For more than 12 years, Citerra Finance has been placing the treatments patients need and want within their reach.
There are multiple tax advantaged savings account that are available in the United States. The FSA (Flexible Spending Account), HSA (Heath Savings Account) and HRA (Health Reimbursement Arrangement) might be eligible for medial reimbursement for treatment outside the US. Each medical savings account has its own set of rules and requirements so make sure to talk to your representative.
Medical care received outside the U.S. is not eligible with a Dependent Care Flexible Spending Account (DCFSA), or a Limited Care Flexible Spending Account (LCFSA).
Traditional lenders like banks and credit unions offer loans, as well as some lenders that specialize in medical loans. You can borrow anywhere from a few thousand to $100,000, which can be used to cover the costs of your medical procedure and other associated expenses.
If you need money incrementally and want to benefit from lower interest rates, a personal line of credit may be a good choice. You can access the funds over time and only pay interest on the amount you’re using.
With a home equity loan, you can access a portion of your home equity while still staying in your home. Once you’ve obtained your home equity loan, you can use it to pay for your medical expenses.
Credit cards are usually ideal for short term balances that you pay off each month. With interest rates sometimes in the double digits, they can be one of the most expensive forms of financing. However, there is an exception that can make your credit card the cheapest option for financing your medical expenses: if you get a 0% interest credit card.
Have adequate funds in your personal savings account, but don’t want to liquidate it? You can use your savings as collateral and borrow against those balances with a “savings secured loan.”
GoFundMe is the number one source for crowdfunding & fundraising. You can use GoFundMe to create a campaign to raise money for your medical procedure from your friends and family.
See how we select our doctors
MedRepublic Terms of Service
PLEASE READ THIS AGREEMENT CAREFULLY. BY VIEWING AND/OR USING THIS WEB SITE YOU AGREE TO BE BOUND BY ALL OF THESE TERMS AND CONDITIONS.
MedRepublic provides an online platform that connects patients and providers of medical procedures on www.medrepublic.com (the �Site�).
This Agreement (the "Agreement") governs your use of the Site. The Site is owned and operated by MedRepublic ,Inc. d/b/a MedRepublic ("MedRepublic"). MedRepublic may, in its sole discretion, modify or revise these Terms of Service and policies at any time, and you agree to be bound by such modifications or revisions. Nothing in these Terms of Service shall be deemed to confer any third-party rights or benefits. If you do not agree to this Agreement (including any referenced policies or guidelines), please immediately discontinue your use of the Site.
YOU UNDERSTAND AND AGREE THAT MEDREPUBLIC IS NOT A PARTY TO ANY AGREEMENTS ENTERED INTO BETWEEN PROVDIERS/HOSPITALS AND USERS, NOR IS MEDREPUBLIC A MEDICAL PROVIDER OR HEALTHCARE ENTITY. MEDREPUBLIC HAS NO CONTROL OVER THE CONDUCT OF PROVIDERS OR USERS OF THE SITE, AND DISCLAIMS ALL LIABILITY IN THIS REGARD TO THE MAXIMUM EXTENT PERMITTED BY LAW.
IN THE EVENT OF ANY INCONSISTENCY BETWEEN THIS AGREEMENT AND ANY OTHER INFORMATION PROVIDED BY MEDREPUBLIC, ON THE SITE OR ELSEWHERE, THE TERMS OF THIS AGREEMENT SHALL PREVAIL.
You must be at least eighteen (18) years old to access the site.
In order to access some features of MedRepublic, you will have to create a MedRepublic account. You may never use another's account without permission. When creating your account, you must provide accurate and complete information. You are solely responsible for the activity that occurs on your account, and you must keep your account password secure. You must notify MedRepublic immediately of any breach of security or unauthorized use of your account.
Although MedRepublic will not be liable for your losses caused by any unauthorized use of your account, you may be liable for the losses of MedRepublic or others due to such unauthorized use.
User may terminate the account at any time. If the User terminates his or her account, MedRepublic will delete or block the personal data and specific personal data of the User, with the exception of the user�s first and last name and email address, kept for legal use only.
You must give complete, true, and accurate information to both MedRepbulic and any providers or other third persons on the Site or in connection with Services performed through the Site. You must indemnify MedRepublic against any third party claims should they be brought due to a violation of the above duty to provide accurate information. You are also responsible for any legal costs MedRepublic may incur in such instances.
You agree not to use the Site to solicit the violation of any applicable local, state, national or international law.
If you furnish MedRepublic with a review(s) of a provider(s), you agree to the long-term storage and publishing of the provided review(s).
Payment in full will be made to MedRepublic. MedRepublic will then pay the provider or facility responsible for the procedure. Failure to pay may result in cancelation of the procedure by the provider. You will be responsible paying the price estimate given by the provider or facility. Further expenses may be charged by the provider or facility, and MedRepublic makes no guarantees that the initial quote will be the entire amount of payment required.
Each provider has his or her own cancelation policy. MedRepublic will refund any monies collected via the specific provider�s policy.
Each foreign currency conversion is processed at a foreign currency conversion rate. This rate generally refers to the amount of one currency that must be paid to buy a certain amount of another currency at a given time. For example, if it costs US$125.00 to buy �100.00, the currency conversion rate of US dollars to Euros would be 1.25, and the currency conversion rate from Euros to US dollars would be 0.8. Currency conversion rates will vary from time to time.
Subject to your compliance with these terms and conditions, MedRepublic grants you a limited, personal, non-commercial license to use the Site from a single computer solely as permitted under this Agreement.
You agree that you will: (i) comply with all applicable laws in using or accessing the Site; (ii) not make any modification, adaptation, improvement, enhancement, translation, or derivative work of or to any portion of the Site; and (iii) not remove, alter, or obscure any proprietary notices (including copyright notices) of MedRepubic or any other information provider in any portion of the Site.
The use of the MedRepublic Site is at no charge to you. The information provided on the Platform is not a medical consultation and does not replace one. The decision to proceed with a procedure is not to be based solely on the informative material. Communicating with providers is for information gathering only and is not an official consultation and does not establish a doctor-patient relationship.
MedRepublic is not involved in contractual relationships between Users and Providers and also in no way influences the conclusion or the content of any contracts between you and any provider or third party, and has no rights nor liabilities as a result of any contracts between providers or third parties and you.
MedRepublic does not endorse any provider(s). You understand that the photographs provided on the site are intended only to indicate a photographic representation of the provider and facility at the time the photograph was taken. Any reviews on the site are solely the work of previous patients and are in no way influenced by MedRepublic, other than being fact-checked if specific claims are made that may be considered defamatory in nature.
By using the Site or Services, you agree that any legal remedy or liability that you seek to obtain for actions or omissions of providers or other third parties will be limited to a claim against the particular providers or othere third parties who casued you harm. You agree not to attempt to impose liability on or seek any legal remedy from MedRepublic with respect to such actions or omissions.
MedRepublic does not make any promises or quality declarations about the Services rendered by it and does not grant any guarantees regarding those Services.
MedRepublic accepts no liability for the correctness or completeness of any information provided by Providers or any other third parties on the Site or in any websites to which links appear on MedRepublic. The relevant owner or operator of the websites alone is responsible for the content of linked sites.
The Site, Services, and content are protected by the intellectual property and other laws of the United States and the State of California. You acknowledge and agree that the Site, its content, and all associated intellectual property rights are the exclusive property of MedRepublic and its licensors.
YOU AGREE THAT YOUR USE OF MEDREPUBLIC SHALL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, MEDREPUBLIC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH MEDREPUBLIC AND YOUR USE THEREOF. MEDREPUBLIC MAKES NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THIS SITE'S CONTENT OR THE CONTENT OF ANY SITES LINKED TO THIS SITE AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR SERVICES, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR SERVICES, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH OUR SERVICES BY ANY THIRD PARTY, AND/OR (V) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA MEDREPUBLIC. MEDREPUBLIC DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH MEDREPUBLIC OR ANY HYPERLINKED SERVICES OR FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND MEDREPUBLIC WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.
IN NO EVENT SHALL MEDREPUBLIC, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR SERVICES, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR SERVICES, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR THROUGH OUR SERVICES BY ANY THIRD PARTY, AND/OR (V) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF YOUR USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA MEDREPUBLIC, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.
YOU SPECIFICALLY ACKNOWLEDGE THAT MEDREPUBLIC SHALL NOT BE LIABLE FOR CONTENT OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY AND THAT THE RISK OF HARM OR DAMAGE FROM THE FOREGOING RESTS ENTIRELY WITH YOU.
To the extent permitted by applicable law, you agree to defend, indemnify and hold harmless MedRepublic, its officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from: (i) your use of and access to MedRepublic; (ii) your violation of any term of these Terms of Service; (iii) your violation of any third party right, including without limitation any copyright, property, or privacy right; or (iv) any claim that your actions caused damage to a third party. This defense and indemnification obligation will survive these Terms of Service and your use of MedRepublic.
These Terms of Service, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by MedRepublic without restriction.
You agree that: (i) MedRepublic shall be deemed solely based in California; and (ii) MedRepublic shall be deemed a passive website that does not give rise to personal jurisdiction over MedRepublic, either specific or general, in jurisdictions other than California. These Terms of Service shall be governed by the internal substantive laws of the State of California, without respect to its conflict of laws principles.
You and MedRepublic agree that any dispute that arises from use of the Site will be settled by binding arbitration, except that each party retains the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights. You acknowledge and agree that you and MedRepublic are each waiving the right to a trial by jury or to participate as a plaintiff or class member in any purported class action or representative proceeding. Further, unless both you and MedRepublic otherwise agree in writing, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of any class or representative proceeding. If this specific paragraph is held unenforceable, then the entirety of this �Dispute Resolution� section will be deemed void. Except as provided in the preceding sentence, this �Dispute Resolution� section will survive any termination of these Terms.
The arbitration will be administered by the American Arbitration Association ("AAA") in Los Angeles, California, USA.
A party who desires to initiate arbitration must provide the other party with a written Demand for Arbitration as specified in the AAA Rules. The arbitrator will be selected by the parties from the AAA�s roster of consumer dispute arbitrators. If the parties are unable to agree upon an arbitrator within seven (7) days of delivery of the Demand for Arbitration, then the AAA will appoint the arbitrator in accordance with the AAA Rules.
MedRepublic reserves the right to terminate your account in the event of any use that is contrary to user duties designated above.
Parental participation. We require that people under 18 years of age have parental participation in viewing and using the site.
Information About Yourself. When you sign up for MedRepublic you provide us with your name, email, gender, and birth date. In some cases we may ask for additional information for security reasons or to provide specific services to you.
Content. If you do not want us to store metadata associated with content you share on MedRepublic (such as photos), please remove the metadata before uploading the content.
Transactional Information. We may retain the details of transactions or payments you make on MedRepublic.
Information we collect when you interact with MedRepublic: �Site activity information. We keep track of some of the actions you take on MedRepublic, such as search terms. In some cases you are also taking an action when you provide information or content to us.
Access Device and Browser Information. When you access MedRepublic from a computer, mobile phone, or other device, we may collect information from that device about your browser type, location, and IP address, as well as the pages you visit.
Cookie Information. We use "cookies" (small pieces of data we store for an extended period of time on your computer, mobile phone, or other device) to make MedRepublic easier to use, to make our advertising better, and to protect both you and MedRepublic. For example, we use them to store your login ID (but never your password) to make it easier for you to login whenever you come back to MedRepublic. We also use them to confirm that you are logged into MedRepublic, and to know when you are interacting with MedRepublic Platform applications and websites, our widgets and Share buttons, and our advertisements. You can remove or block cookies using the settings in your browser, but in some cases that may impact your ability to use MedRepublic.
Information we receive from third parties: �MedRepublic Platform. We do not own or operate the applications or websites that you use through the MedRepublic Platform. Whenever you connect with a Platform application or website, we will receive information from them, including information about actions you take. In some cases, in order to personalize the process of connecting, we may receive a limited amount of information even before you connect with the application or website.
Information from other websites. We may institute programs with advertising partners and other websites in which they share information with us:
If in any of these cases we receive data that we do not already have, we will �anonymize� it within 180 days, meaning we will stop associating the information with any particular user. If we institute these programs, we will only use the information in the ways we explain in the �How We Use Your Information� section below.
Information we collect from you:
How we use this information:
MedRepublic reserves the right to use information it collects to various ways to enhance your experience and our site.
As mentioned above, we do not own or operate the applications or websites that may be linked to from the MedRepublic Platform. That means that when you use those applications and websites you are making your information available to someone other than MedRepublic.
You should always review the policies of third party applications and websites to make sure you are comfortable with the ways in which they use information you share with them. We do not guarantee that they will follow our rules. If you find an application or website that violates our rules, you should report the violation to us.
Pre-Approved Third-Party Websites and Applications. �In order to provide you with useful assistance from third party websites off of MedRepublic, we occasionally need to provide General Information about you to pre-approved third party websites and applications that use Platform at the time you visit them (if you are still logged in to MedRepublic). ��In this case we require these websites and applications to go through an approval process, and to enter into separate agreements designed to protect your privacy. �For example, these agreements include provisions relating to the access and deletion of your General Information, along with your ability to opt-out of the experience being offered. �If you log out of MedRepublic before visiting a pre-approved application or website, it will not be able to access your information.
Advertisements. Sometimes the advertisers who present ads on MedRepublic use technological methods to measure the effectiveness of their ads and to personalize advertising content. You may use your browser cookie settings to limit or prevent the placement of cookies by advertising networks. �MedRepublic does not share personally identifiable information with advertisers unless we get your permission.
Links. When you click on links on MedRepublic you may leave our site. We are not responsible for the privacy practices of other sites, and we encourage you to read their privacy statements.
MedRepublic shares your information with third parties when we believe the sharing is permitted by you, reasonably necessary to offer our services, or when legally required to do so. For example:
When you make a payment. See Payment Terms.
To help improve or promote our service. Sometimes we share aggregated information with third parties to help improve or promote our service. But we only do so in such a way that no individual user can be identified or linked to any specific action or information.
To provide you with services. We may provide information to service providers that help us bring you the services we offer. For example, we may use third parties to help host our website, send out email updates about MedRepublic, remove repetitive information from our user lists, process payments, or provide search results or links (including sponsored links). These service providers may have access to your general personal (non-medical) information for use for a limited time, but when this occurs we implement reasonable contractual and technical protections to limit their use of that information to helping us provide the service.
To advertise our services. We may ask advertisers outside of MedRepublic to display ads promoting our services. We may ask them to deliver those ads based on the presence of a cookie, but in doing so will not share any other information with the advertiser.
To respond to legal requests and prevent harm. We may disclose information pursuant to subpoenas, court orders, or other requests (including criminal and civil matters) if we have a good faith belief that the response is required by law. This may include respecting requests from jurisdictions outside of the United States where we have a good faith belief that the response is required by law under the local laws in that jurisdiction, apply to users from that jurisdiction, and are consistent with generally accepted international standards. We may also share information when we have a good faith belief it is necessary to prevent fraud or other illegal activity, to prevent imminent bodily harm, or to protect ourselves and you from people violating our Terms of Service may include sharing information with other companies, lawyers, courts or other government entities.
Editing your profile. You may change or remove your profile information at any time by going to your account page. Information will be updated immediately.
Limitations on removal. Even after you remove information from your profile or delete your account, copies of that information may remain viewable elsewhere to the extent it has been shared with others or it was copied or stored by other users. However, your name will no longer be associated with that information on MedRepublic. Additionally, we may retain certain information to prevent identity theft and other misconduct even if deletion has been requested. If you have given third party applications or websites access to your information, they may retain your information to the extent permitted under their terms of service or privacy policies. �But they will no longer be able to access the information through our Platform after you disconnect from them.
Backup copies. Removed and deleted information may persist in backup copies for up to 90 days, but will not be available to others.
We do our best to keep your information secure, but we need your help.
Steps we take to keep your information secure. We keep your account information on a secured server behind a firewall. When you enter sensitive information (such as credit card numbers and passwords), we encrypt that information using secure socket layer technology (SSL). We also use automated and social measures to enhance security, such as analyzing account behavior for fraudulent or otherwise anomalous behavior, may limit use of site features in response to possible signs of abuse, may remove inappropriate content or links to illegal content, and may suspend or disable accounts for violations of our Terms of Service.
HIPAA. All medical information will be encrypted and safeguarded according to the regulations set out in the federal Healthcare Information Portability and Accountability Act of 1996.
Risks inherent in sharing information. Although we allow you to set privacy options that limit access to your information, please be aware that no security measures are perfect or impenetrable. We cannot control the actions of other users with whom you share your information. We cannot guarantee that only authorized persons will view your information. We cannot ensure that information you share on MedRepublic will not become publicly available. We are not responsible for third party circumvention of any security measures on MedRepublic. You can reduce these risks by using common sense security practices such as choosing a strong password, using different passwords for different services, and using up to date antivirus software.
Report Violations. You should report any security violations to us at medrepublic.com.
Consent to Collection and Processing in the United States. By using MedRepublic, you consent to having your personal data transferred to and processed in the United States.
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If you are having surgery outside of the country, your home country insurance is unlikely to cover a edical complication. As a result, we advise that you purchase a complication insurance policy, which is specifically designed to cover individuals who are traveling internationally for medical treatment.
Here are the two companies we have found to provide reliable services:
We have written a comprehensive overview comparing the pros and cons of both companies that you can view here.
It may be wise to purchase travel health insurance when you travel internationally, as your home country insurance may not completely cover medical expenses incurred while abroad.
Here are some options that MedRepublic clients have used in the past:
This is a short-term international travel medical plan for trips of up to 6 months. There are two different plans offered based on whether or not clients already have primary insurance domestically. You can choose from their network of providers across 180 different countries. For more information on what is covered, click here.
This is a short-term international travel medical plan for trips of 5 to 45 days. There are no country restrictions and you have the freedom to choose any doctor or hospital. There is also optional hazardous sports and scuba diving coverage. For more information on what is covered, click here.