Traveling abroad for a knee replacement can be a life-changing decision — one that often comes with the promise of world-class care and more affordable prices than in your home country. Colombia has emerged as a top destination for orthopedic surgery thanks to its highly skilled surgeons and internationally accredited hospitals. But while prices are lower than in the U.S. or Europe, many patients still face a major hurdle: how to pay for it.
This is where medical travel financing becomes an essential part of the conversation.
Understanding the Financial Challenge
Even in countries like Colombia where knee replacement surgery can cost a fraction of the price compared to Western nations, patients are often required to pay out of pocket — in full and upfront. Unlike domestic care, where insurance or government programs may absorb part of the cost, international care typically means you must cover everything from the procedure and hospital stay to flights, accommodations, and recovery expenses.
Many people exploring treatment abroad are also underinsured or uninsured, making the need for financial planning even more important.
What Is Patient Financing?
Patient financing is a way for individuals to break down the cost of medical or dental treatment into manageable payments over time. Instead of paying the entire cost at once, patients can access monthly payment plans, loans, or other financial arrangements that help make treatment accessible.
Think of it as a bridge between your health needs and your current financial capacity.
Can I Finance My Treatment Abroad?
Yes — financing your treatment abroad is possible, even for elective surgeries like knee replacement. The key is early planning. While domestic healthcare systems may have familiar options for loans or deferred payments, international procedures require a clearer roadmap.
This is where Better by MTA steps in — not to sell financial products, but to guide you through the process with clarity and confidence. From estimating your total cost of care in Colombia to helping you understand available financing options and how they work, the focus is on helping you plan wisely.
What If I Don’t Have Insurance?
Not having insurance doesn't mean you can’t pursue treatment overseas. In fact, many patients exploring knee replacement in Colombia do so because they are either uninsured or have insurance that doesn’t cover the procedure locally.
Better by MTA offers neutral, non-promotional support to help you understand your financing alternatives. Whether you’re considering tapping into personal savings, using a healthcare loan, or combining multiple sources of funds, the platform helps you create a realistic treatment budget and explore what’s feasible — even if insurance isn’t an option.
Are Monthly Payment Plans Available?
Monthly payment plans can be available depending on the financing provider and your eligibility. The catch? These plans often require pre-approval, documentation, and sometimes even a credit check.
Better by MTA doesn’t handle these financial products but provides educational resources and personal guidance so that you know what to expect. Patients are empowered to ask the right questions, understand the terms, and avoid surprises.
The Role of Better by MTA
Unlike companies that push financial products, Better by MTA is designed to be your trusted companion in the complex world of medical travel. It provides:
- Budgeting guidance to help you estimate your complete treatment costs
- Educational support on financing options, from loans to hybrid strategies
- A planning toolkit to ensure you're financially and emotionally prepared
- Transparent, non-biased insights — so you can make the best decisions for your health
Better by MTA is not affiliated with any specific lenders, hospitals, or brokers. Its mission is simple: to empower patients with information, clarity, and confidence — not sales.
Tips for Planning Your Knee Replacement Budget in Colombia
To get started on your medical travel journey, consider the following steps:
- Estimate the Total Cost – Include surgery, hospital stay, travel, accommodation, meals, rehab, and incidental expenses.
- Research Financing Options – Look into patient financing options in your country and determine what’s available for overseas care.
- Understand Eligibility Requirements – Check what documentation or credit checks may be required.
- Have a Contingency Plan – Budget for unforeseen costs like travel delays or post-operative care.
- Use Better by MTA for Support – Leverage the platform’s tools and guidance to build a smart plan.
Choosing knee replacement in Colombia can be a cost-effective and medically sound decision — but the journey involves more than just booking a flight. The financial planning side of medical tourism is often overlooked, and for many patients, it’s the piece that determines whether they can actually follow through on their care.
By using Better by MTA as your resource for medical travel financing education, you gain the insights and confidence you need — without pressure, gimmicks, or sales. Whether you’re ready to take the next step or just exploring your options, support is available to guide you toward informed, empowered decisions.
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.
