Question:
Where can I get help with $4500 upfront fee-even WITH insurance
Does anyone know of any resources that might would help with this fee. I live paycheck to paycheck and can't save $4500. It's not there to save. I will get reimbursed 80% AFTER the insurance pays. — angela D. (posted on April 17, 2002)
April 17, 2002
I had to come up with approximately $8,000 to have my surgery, even with
insurance. I took out a home equity loan in order to have it. If you own
your own home you might check out this option as you can also write off the
interest on your income taxes.
— Terri H.
April 17, 2002
When I needed money I got a second job and saved that money--Good Luck
— Robert L.
April 17, 2002
Do you have a flexible spending account where you work?? That would be a
good start since any money deducted is pre-tax. Most companies have limits
that you can put in from $1000 a year to an unlimited amount. For example,
if you decide to have $4500 put into your flexible spending account and you
get paid 24 times a year, divide 24 into $4500 and it would equal $187.50
that would be taken out of each paycheck PRE-tax. This would reduce your
overall income tax that you are paying and you wouldn't see that complete
amount off your paycheck. It would probably be closer to about $75 to $100
out of each net pay. The only problem may be when your enrollment period
is. If it's January (most plans are) you'll have to wait until then to
enroll in the plan and then the services would have to be rendered in the
year that you enrolled.
— Patty H.
April 17, 2002
here is a link to a website that is suspose to help finance surgery and or
your copay. http://www.p-f-s.com I hope this helps.
— Melanie K.
April 17, 2002
I know your pain, Angela. I have to pay $7500 upfront (not to mention that
I need another $6500 for transportation and housing for a month out of
state). I will get reimbursed 90% probably within 3 months of surgery. I
am a full time student and I don't have a job. I finally ended up begging
my dad to cosign a loan with me for $8500. Also, I called my credit card
company and they can issue you balance transfer checks (also called Direct
Checks) which you can make out to yourself and deposit in your checking
account (up to your credit limit). This is NOT the same as a cash advance
and the APR is only 5.9% with Citibank (less than I pay for purchases,
actually). I know how difficult it is to get that kind of money together,
and I wish you the best of luck!
— [Deactivated Member]
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