Wednesday, August 16, 2017

Thank God for Care Credit

**This blog is not sponsered by CareCredit or Synchrony Financial and is solely my personal opinions.
 

 I need to start off by saying...thank GOD for Care Credit!

I was talking to a fellow coworker after work today about this. She said that anytime someone hands her a Care Credit card to pay for their procedure, she smiles. Why? Because her dog just had to have a tumor removed and, without this payment source, they probably would not have been able to do so. 

...and had it not been for this credit card, I would've wiped my savings account clean with the Haley fiasco thus leaving me at a loss when it comes to what will be going on with Lola ( I'll blog about that later this week when the results come back... ) 

Care Credit is a healthcare-based credit card that it helpful in numerous cases. Once you're accepted, you can use it at participating doctors, dentists, vets, and various other health care services.  

One of the best features is that for more expensive procedures, a lot of offices have "promotional offers" for free-or-low interest up to so many months.

Without this option, I would've had to pay $6500 out of pocket immediately for Haley's misdiagnosis and surgery. I would've had to pay $334 unexpectedly for a vet bill I assumed would be less than $200. And, if I chose to, I could use it for Lola's procedure...but I've decided not to abuse it if I have the funds. 

Of course, people worry about approval. I wasn't too worried about being approved because I've really focused on building my credit these last few years and have worked damn hard to do so. But if you are coming upon a medical expense that you aren't sure you can afford, you can go to the website to see if you are pre-approved prior to your appointment. Even if it's just for a small amount, something is definitely better than nothing.

And like I told Nate, I could use Care Credit for a breast reduction if I decided. It can be used at the chiropractor. It can be used for Lasik surgery! But you want to make sure that your provider accepts Care Credit before anything. And ask them if they offer any promotions! 

I also learned after the second vet bill that you CAN have multiple promotions on your card. Although you only make one payment a month towards it and they automatically apply it to the promotion that ends the earliest, you can call to have that sum allotted to each charge: meaning that if you pay $300, you can apply $60 of that to one charge and the other $240 to the other. That way you are paying down both charges at the same time and one doesn't have to suffer over the other. 

Yes, it sounds a little complicated but if you need to see the dermatologist for a mole you just can't stand anymore or you are sick and tired of glasses...or your dog suddenly gets sick or you really need a readjustment...there's always Care Credit to fall back on.

It has definitely been a saving grace for me and I'm so thankful to have it as an option!


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