Medical Credit Card

I am having surgery in a few weeks, and need to credit card to cover the costs of the surgery my insurance won't. It seems like I heard something about a medical credit card recently...

Yes, but it does not apply in your case.
My company allows us to pay into a savings plan (tax deferred) so that uncovered costs and co-payments can be paid from the fund. They issue a card that can be used to auto deduct from the account, or if it requires, we can send in paperwork and request payback.

This may be what you have heard of.

2008-10-13 09:50:56 by Mwhite

American Express sent out notices to their customers that starting at the end of April, the company would decline any medical marijuana purchases ...

I recently returned from a trip to the US and Canada. I didn't buy travel insurance because I figured I was covered, having used my Platinum credit card to buy the ticket. Was I just plain lucky nothing happened to me during my trip? Did I take unnecessary risks? Is my Platinum card medical cover really equivalent to a travel insurance?

This assumes you mean a Platinum American Express Card.

You were probably just lucky. Travel medical insurance is NOT automatic when you buy an airline ticket with the card.

However, AMEX does sell travel medical insurance and you can purchase it per trip or get an annual policy. Just call the toll free number on the back of the card.

2007-12-16 21:58:17 by mamishamu

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No, unfortunately, I do not have any insurance. I have been out of work for 5 years, and helping my husband when I am able. Thank you all for your answers in advance. I appreciate it!
No, unfortunately, I do not have any insurance. I have been out of work for 5 years, and helping my husband when I am able. We do not qualify for low-income state insurance, as we own some homes even though the homes are fixers and we are unable to re-fi.

Thank you all for your answers in advance. I appreciate it!

There are a few of them out there, but read the article below before you go this route. It sounds like you don't have any insurance. Your best bet is to sit down with the bookkeeper or office manager of your surgeon and see if there is anything they can do to help you on the repayment.

Recently I had a medical procedure that hit my deductible for over $1000 and the provider has helped me by spreading the payment out over the course of the next year.

2008-03-11 12:10:18 by cprudell

Price: $5.95 $5.95

I have a truck payment that's high always on time, also am paying on a timeshare never missed a payment. Why can't I get the help I need to fix my credit?

Look at your situation........your borrowing money to pay off money...........not good.........get rid of the truck.........by a honda..........

2008-06-16 15:21:52 by Re-Pete

Ive had a credit card in the past but i closed it out after i paid it off when i was younger. It had a low limit to begin with. I also have over $5000 in medical bills that are unpaid. Ive seen credit cards that are for those with bad credit. You pay an activation fee and a program fee and they give you a small intro rate but then they go up to a very high rate. I am finding that i need a credit card to help with certain expenses--- are these cards worth it and the right path to go.

A secured credit card is probably, to my knowledge, the only choice. Check cashing places that have prepaid cards don't report to credit bureaus, so it won't help your score. You can use a prepaid credit card or a secured credit card at a gas station. Any bank should have a secured credit card they can offer you, but may want you to have an account with them first, and it probably will be limited to - or twice or three times - the amount you give them. Example, if you want a $500 secured card, they might expect a $1000 or $1500 deposit. If you do it, start using the card immediately and never pay a bill late. Do this for 6 months or 3 months - depending on what your goal is - and your credit score is guaranteed to improve. Dollar General stores have these prepaid visa's, and I've seen other ones, but to my knowledge none of them report to the credit bureau. A debit card attached to your checking account doesn't report to the credit bureau either, but you might check with your bank to confirm that. Best lead is your bank or home branch. Another easier choice is to become a co-signer for a friend or family members credit card, and that will help boost your credit score. Ask to become a co-applicant on someone you knows card. That can help, but ultimately you want your own card.

A secured card should not have a activation fee or program fee if it's issued by your bank or a big bank.

It is a good idea to have a credit card to build good credit. They are the right path to go, a secured card that is.

I used to believe like a lot of others that I can live without credit cards.
I got a secured card. I paid it off religiously for a very, very long time.
It was the right thing to do because without establishing that credit history, life would be harder on the Internet where credit cards are a mandatory fact of life.

I recommend debit cards attached to your checking account if you want to keep simple bookkeeping skills without endangering your credit health.

2008-08-05 19:33:36 by shootthuhmoon