CareCredit and Vasectomy: Unique Vasectomy Procedure Financing
April 18, 2023
Vasectomy is a safe and effective form of birth control for men who do not wish to have any more children. Vasectomy is a simple office procedure that involves sealing the tubes that carry sperm from the testicles to the penis. This prevents the sperm from being ejaculated during sex and greatly reduces the chances of pregnancy.
Despite its benefits, many men are hesitant to undergo vasectomy mostly because of the fear of pain (another article to be written at another time) and the cost of the procedure.
Vasectomy is not always covered and it is not always cheap. Even with health insurance coverage for vasectomy you may have a high deductible. If so you may be responsible for the entire cost of the vasectomy procedure.
If you have been looking for vasectomy financing the good news is that there are several options if you would rather finance than pay out of pocket for your procedure.
We work with two companies that offer vasectomy procedure financing: CareCredit and Advance Care.
CareCredit and Vasectomy
Although it may sound weird to finance something as important as a vasectomy procedure, you should understand some health insurance plans may not offer coverage for vasectomy and, depending on where you go, vasectomy can be expensive .
Health insurance and vasectomy. Most health care plans will cover vasectomy. If you have a religious based plan or a very cheap, inexpensive health care plan, then you are going to be out of luck. You will most likely have to pay directly out of pocket.
The catch for many men is they may have a high annual deductible. For example, if you have a $5,000 deductible, then you will be responsible for the first $5,000 of your health care in a given year. Most men are healthy and do not have to pay $5,000 towards health care in any given year unless they are having a very bad year. This is why many men find themselves having pay out of pocket just to get a vasectomy procedure.
Vasectomy cost. In some parts of the United States vasectomy can cost as much as $5,000. The average cost ranges from $800 to $2,500. It depends where in the United States the procedure is being offered, if the doctor is a specialist, and if the procedure is being performed in the operating room under general anesthesia.
More information: Cost of vasectomy with His Choice Raleigh
His Choice No Cut Vasectomy accepts CareCredit as payment for vasectomy procedures.
Unique vasectomy procedure financing
CareCredit offers users a unique vasectomy procedure financing plan. CareCredit is health care financing, but CareCredit acts like a credit card.
CareCredit is a healthcare credit card that can be used to pay for a variety of medical procedures, including vasectomy.
CareCredit offers several benefits, including low monthly payments and no interest if the balance is paid in full within a certain timeframe. This can make it an attractive option for men who are concerned about the upfront cost of a vasectomy.
One of the advantages of using CareCredit is that it allows men to spread the cost of the procedure over a longer period of time. This can be especially helpful for those who are on a tight budget or who have other financial obligations to consider.
With CareCredit, men can make affordable monthly payments for their vasectomy procedure that fit within their budget, rather than having to come up with a lump sum all at once.
More information: Apply for CareCredit to for vasectomy at His Choice
Another benefit of using CareCredit is that it can help men access quality care.
Many men may put off getting a vasectomy because they cannot afford to pay for the procedure upfront. However, by using CareCredit, they can receive the care they need without having to delay the procedure or compromise on the quality of care they receive.
It is important to note while CareCredit can help make a vasectomy more affordable, it is still important to consider the total cost of the procedure. This includes not only the cost of the vasectomy itself, but also any additional fees associated with the procedure, such as pre-operative consultations, follow-up appointments, and medications.
Before deciding to use CareCredit to finance a vasectomy, it is important to understand the terms and conditions of the credit card. This includes understanding the interest rates, fees, and repayment terms. Men should also make sure they can afford the monthly payments before committing to the procedure.
In addition to CareCredit, there are other financing options available for vasectomy. These include Advance Care card, health savings accounts (HSAs), flexible spending accounts (FSAs), and personal loans. Each of these options has its own advantages and disadvantages, so it is important to research each option carefully before making a decision.
Another vasectomy procedure financing option
We also accept Advance Care card for those who would like to finance their vasectomy.
The Advance Care card is a great way to get your vasectomy now and pay later. The application is simple and you can schedule your vasectomy as soon as you receive your card. The card looks and works just like a credit card.
Approved applicants may receive up to 14 months of interest free financing at very competitive interest rates.
More information: Apply for the Advance Care Card
The Advance Care card looks and acts just like a credit card but can only be used at approved medical providers.
HSAs and FSAs are tax-advantaged accounts that can be used to pay for a variety of medical expenses, including vasectomy. They offer several benefits, including tax savings and the ability to save money on healthcare expenses over time. However, they may not be available to everyone, and there are limits to how much money you can contribute each year.
Personal loans are another option for financing a vasectomy. These loans can be obtained from banks, credit unions, or online lenders. They can be used to cover the cost of the vasectomy and any associated expenses, and they typically have lower interest rates than credit cards. However, they may require collateral or a good credit score to qualify.
Financing a vasectomy can be a challenge for many men, but there are several options available, including using CareCredit.
By taking the time to research these options and consider their individual needs and circumstances, men can make an informed decision about how to finance their vasectomy and access the care they need.