Poland has become a top destination for patients seeking affordable, high-quality orthopedic care, particularly for knee replacement surgery. With advanced medical facilities and internationally trained surgeons, patients can often receive care at a fraction of the cost compared to countries like the U.S. or U.K. However, even when treatments are significantly more affordable abroad, the need to pay out-of-pocket can still be a major obstacle for many.
In this article, we’ll walk you through what patient financing really means, why costs can still feel daunting despite lower prices, and how Better by MTA supports medical travelers in planning their healthcare journeys—financially and logistically.
Why Knee Replacement Abroad Still Comes with Financial Hurdles
While Poland offers knee replacement procedures at competitive rates, patients still need to factor in:
- Upfront medical costs (since many hospitals abroad don’t offer pay-later options)
- Travel expenses, including flights and accommodation
- Post-surgery rehabilitation or physical therapy
- Time off work, which may impact income
These costs can quickly add up, making even the most budget-friendly procedures financially challenging without proper planning.
What Is Patient Financing?
Patient financing refers to flexible payment options that allow you to cover the cost of medical or dental care over time—often through installment plans, loans, or structured payment agreements. Instead of paying everything at once, you can spread payments out to reduce the immediate financial pressure.
This concept is particularly helpful for medical tourists who must often pay the full cost of treatment upfront—without the cushion of local health insurance.
Can I Finance My Treatment Abroad?
Yes, financing your medical treatment abroad is possible, but it works a bit differently than financing care at home. Since traditional health insurance usually doesn’t cover international procedures, many patients look into alternative methods like:
- Using personal savings or credit cards
- Exploring medical loan options in their home country
- Asking if monthly payment arrangements can be made
It’s important to remember that each patient’s situation is different. That’s why Better by MTA doesn't promote specific lenders. Instead, it helps you understand what financing options are available, how to budget realistically, and how to make informed decisions without pressure or sales tactics.
What If I Don’t Have Insurance?
Many international patients seeking surgery in Poland are uninsured or underinsured. In these cases, paying out-of-pocket is the only option. The good news is that Polish hospitals often charge significantly lower rates than their counterparts in Western countries—sometimes up to 50-70% less.
Still, affordability doesn’t mean the financial burden disappears. That’s why budgeting tools, payment planning, and personalized guidance from resources like Better by MTA can be so valuable.
Are Monthly Payment Plans Available?
Some patients may be able to arrange monthly payment plans either before or after treatment—depending on their financing provider or personal banking options. However, it’s essential to clarify:
- Are payment plans available for foreign patients?
- Is a deposit required before treatment?
- Will repayment terms begin before or after surgery?
Better by MTA helps answer these questions and guides patients through the planning process, including what to ask, what to prepare, and how to avoid surprises.
How Better by MTA Supports You
Better by MTA is not a financial service provider—and that’s a good thing. Instead of selling loans, it serves as a trusted guide, helping patients:
- Understand real costs beyond the treatment (travel, lodging, follow-ups)
- Learn about financing options available in their home country
- Build a personalized budget plan for surgery abroad
- Get clarity on the process, timelines, and documentation needed
Whether you’re traveling for a total knee replacement, a partial procedure, or related follow-up care, Better by MTA offers non-biased support so you can focus on recovery—not financial stress.
Plan Ahead, Travel with Confidence
Knee replacement in Poland can be a smart, cost-effective choice—but financial readiness is key. With help from Better by MTA, you don’t have to navigate the process alone. From budgeting tips to answering questions like “Can I finance my surgery abroad?”, you’ll gain the clarity and confidence needed to move forward.
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.
