Traveling abroad for spinal surgery offers the chance to access expert care at a lower cost — and Poland is fast becoming a popular destination for it. But even though procedures there are more affordable than in many Western countries, patients still face an important question: Can I afford it upfront?
This guide will help you understand the financial realities of seeking spinal surgery overseas and how Better by MTA supports you in navigating your financing options with confidence and peace of mind.
Why Even “Affordable” Surgery Abroad Isn’t Always Easy to Pay For
Choosing spinal surgery in Poland can dramatically reduce costs, especially compared to countries like the U.S., Canada, or the UK. However, even at a fraction of the price, many patients still struggle to cover the entire amount upfront.
From flights and accommodations to out-of-pocket medical expenses and aftercare, the total cost adds up quickly. And unlike procedures at home, insurance often won’t cover treatments performed internationally — leaving patients wondering how they’ll pay.
What Is Patient Financing?
Patient financing is a way to break down the total cost of your treatment into smaller, manageable payments over time. Rather than paying everything upfront, you can budget with fixed monthly installments. It’s especially helpful for major procedures like spinal surgery, where affordability is a common concern.
Many people assume medical travel is only for the wealthy, but patient financing can make it accessible to a broader range of individuals. Whether you’re uninsured, underinsured, or just need help bridging the gap, this approach can be a powerful tool.
Can I Finance My Treatment Abroad?
Yes — financing your spinal surgery in Poland is possible. Many patients choose to spread their costs over several months, especially when combining treatment costs with travel expenses.
However, it’s important to note that financing isn’t automatic or universal. Terms vary widely depending on your home country, income, credit situation, and what kind of financial plan you're seeking.
That’s where Better by MTA can help — offering guidance tailored to your personal situation without pushing specific loans or financial products.
What If I Don’t Have Insurance?
Even if you don’t have health insurance — or if your plan doesn’t cover overseas care — medical travel financing can still be an option. Better by MTA helps you understand how to build a realistic treatment budget and assess if financing is a fit.
Many patients without insurance choose self-pay options and use monthly payment plans to manage the expense. You’ll get more control over your timeline and provider choice — with expert support to walk you through each financial step.
Are Monthly Payment Plans Available?
Yes, in many cases, monthly payment plans are available for international treatments, including spinal surgery. These plans allow patients to:
- Spread out the cost of care
- Avoid high-interest personal loans
- Reduce financial stress during recovery
That said, monthly plans depend on eligibility criteria. Better by MTA doesn’t offer financial products — instead, it helps you explore available options based on your goals, timeline, and financial readiness.
How Better by MTA Supports Your Medical Travel Journey
Better by MTA is a patient-first platform designed to simplify your medical travel experience — especially the financial parts. We know cost can be a major hurdle, so we focus on giving you clarity, structure, and guidance at every step.
Here’s how we help:
- Personalized Budget Planning: Get a clear breakdown of total estimated costs — including surgery, travel, recovery, and extras.
- Financing Guidance: Learn what types of payment plans exist, and whether you might be eligible for any based on your profile.
- Educational Support: We explain financing terms, what to watch out for, and how to avoid debt traps or hidden fees.
- Confidence Without Pressure: You’re in control. We don’t sell financial products or push you toward any decision — we simply guide and inform.
Making Spinal Surgery in Poland Possible
Planning spinal surgery in Poland could be a smart decision for your health and your wallet. But it’s still a major investment — and one that requires clear planning. Medical travel financing can ease the burden, and Better by MTA is here to support you every step of the way.
Whether you’re uninsured, underinsured, or simply want a more affordable path to surgery, you don’t have to go it alone. With the right tools and guidance, you can afford the care you need — with confidence and clarity.
Looking for Medical Care Abroad but Worried About Costs?
Let Better by MTA help you explore flexible payment options for your procedure.
Request your free,personalized quote now and take the first step toward affordable medical travel.
