Traveling abroad for orthopedic surgery—like a knee replacement, spinal fusion, or shoulder repair—can be significantly more affordable in countries like Poland. But even when prices are lower than in your home country, covering the entire cost upfront can still be a challenge. That’s where medical travel financing comes in.
In this article, we’ll walk you through how patient financing works, what your options are if you don’t have insurance, and how Better by MTA supports you every step of the way—without selling or promoting any financial products.
Understanding Patient Financing in Simple Terms
Patient financing means breaking down your medical costs into manageable monthly payments instead of paying the full amount upfront. It’s not just for people undergoing expensive surgeries—it’s for anyone who needs a little flexibility to move forward with necessary care.
Even when surgery abroad is “affordable,” that still might mean paying thousands of dollars out-of-pocket. Many patients delay care, use high-interest credit cards, or borrow from family—none of which are ideal. Financing gives you a safer, structured way to proceed with treatment while protecting your financial well-being.
Why Orthopedic Surgery in Poland Still Has Upfront Costs
Poland has become a popular destination for orthopedic procedures thanks to high-quality care, modern hospitals, and competitive pricing. However, most international providers require upfront payment before scheduling your surgery.
This upfront requirement can include:
- Surgical fees
- Anesthesia
- Medical devices (like implants or prosthetics)
- Hospital stays and post-operative care
- Travel and lodging
These costs can add up quickly—even if the overall price is lower than what you'd pay at home.
Can I Finance My Treatment Abroad?
Yes, you can finance your treatment abroad, including orthopedic procedures in Poland. Financing is available to help you spread the cost of care over time through monthly payments, so you don’t have to delay treatment due to financial constraints.
Depending on your situation, you may qualify for different types of payment options—whether you’re insured, underinsured, or paying entirely out of pocket.
What If I Don’t Have Insurance?
Many patients seeking surgery abroad do so because their insurance won’t cover the procedure—or because they have no insurance at all. If you’re in this category, you’re not alone.
Better by MTA understands these challenges and offers guidance on:
- Estimating total treatment costs, including travel and recovery time
- Creating a realistic budget
- Understanding which expenses may qualify for financing
- Planning monthly payment schedules that align with your income
Even without insurance, financing can give you a practical path to quality care abroad.
Are Monthly Payment Plans Available?
Yes. One of the key features of medical travel financing is monthly payment plans that let you distribute costs over time instead of paying all at once.
While you won’t get these plans directly from hospitals in Poland, organizations like Better by MTA help you:
- Understand which financing models are most common
- Compare interest-free vs. interest-bearing options
- Prepare documentation or cost estimates for financing applications
- Make sure your treatment timeline matches your financial comfort
This gives you peace of mind and helps you commit to your health without compromising your finances.
How Better by MTA Supports You
Better by MTA doesn’t sell loans or promote lenders. Instead, it acts as a neutral guide—educating you on how financing works, what to expect in Poland, and how to create a clear plan that fits your needs.
Here’s how Better by MTA helps:
- Personalized budget planning: Know exactly what you’ll need to pay, and when.
- Transparent education: Understand your rights, options, and responsibilities before committing.
- No pressure: We guide. You decide. There’s no sales pitch—just clarity and support.
- Global insight: Get country-specific advice so you know what to expect in Poland vs. other destinations.
- Patient-first focus: Everything is designed to reduce financial stress and empower informed decisions.
Choosing orthopedic surgery abroad—especially in Poland—can be a life-changing decision. But financial barriers often stand in the way. With the right information and support, you can plan smarter, act sooner, and recover with confidence.
Better by MTA is here to help you take the next step—with trust, transparency, and support, not sales tactics. Whether you're exploring monthly payment plans or simply trying to understand what costs to expect, we’re here to make your medical journey clearer and less overwhelming.
Looking for Medical Care Abroad but Worried About Costs?
Let Better by MTA help you explore flexible payment options for yourprocedure.
Request your free,personalized quote now and take the first step toward affordable medicaltravel.
