Stem cell therapy is offering hope for a wide range of chronic conditions—from joint pain to neurodegenerative disorders. And Costa Rica has become a sought-after destination for this innovative treatment, known for its combination of skilled professionals, modern facilities, and significantly lower costs than many Western countries. But even with these savings, many patients find that upfront medical expenses, travel, accommodation, and follow-up care can still be financially overwhelming.
So how can you afford treatment that’s technically “affordable,” but still hard to pay for in one go? The answer often lies in medical travel financing—and in knowing you’re not alone in navigating this journey.
Why Even Affordable Treatments Still Cost a Lot Upfront
When patients hear that stem cell therapy in Costa Rica costs a fraction of the price charged in the U.S. or Europe, it’s natural to feel encouraged. But affordability doesn’t mean everyone has the cash ready.
You might still need to cover:
- Consultation and diagnostic fees
- The procedure itself (often in the thousands of dollars)
- Flights, accommodation, and meals
- Post-treatment medications or rehabilitation
Even those with health insurance often discover that overseas care isn’t covered—or that stem cell treatments fall outside their policy. That’s where medical travel financing can be a helpful solution.
What Is Medical Travel Financing?
Medical travel financing is a way for patients to access the care they need abroad by breaking up treatment costs into smaller, manageable payments.
It can include:
- Personal savings plans
- Family contributions
- Monthly installment arrangements
- Loan programs from lenders specializing in healthcare financing
The key is to view financing not as a burden, but as a tool that allows you to move forward with treatment when your health can’t wait.
Can I Finance My Treatment Abroad?
Yes, financing your treatment overseas is not only possible—it’s increasingly common. Many patients use flexible payment plans or financing options to manage the upfront cost of care abroad, whether it’s for stem cell therapy, orthopedic surgery, or dental implants.
While the availability of structured financing depends on your location, credit situation, and treatment type, there are always paths forward. Even if formal medical loans aren’t accessible to you, alternatives like saving plans or support from Better by MTA can bridge the gap.
What If I Don’t Have Insurance?
Not having insurance—or not having international coverage—shouldn’t stop you from accessing life-changing treatment. In fact, most patients seeking medical travel are self-paying. The key is understanding your total costs ahead of time and creating a financing strategy that aligns with your budget.
Better by MTA helps patients do exactly that:
- Estimate total treatment and travel expenses
- Explore realistic financing timelines
- Evaluate payment options and avoid financial surprises
Rather than focusing on what you don’t have, the process starts with what’s possible—and grows from there.
Are Monthly Payment Plans Available?
In many cases, yes. Some patients arrange monthly payment plans directly through medical travel support services or savings strategies. Others use medical-specific credit products or healthcare loans in their home countries.
Even if you're not offered a traditional monthly payment plan by a clinic, Better by MTA can help you design a personalized payment strategy, so you can proceed with care while staying financially secure.
How Better by MTA Helps You Plan with Confidence
Better by MTA isn’t a lender. It’s a neutral, supportive platform that helps you make informed decisions about your medical travel budget. We don’t sell financial products—we empower you with clarity and guidance.
With Better by MTA, you can:
- Understand the real costs of stem cell therapy in Costa Rica
- Access educational tools for financing and planning
- Get personalized support in mapping your budget and timeline
- Make decisions without pressure or confusion
From your first inquiry to your return home, you’ll know where your money is going—and why it matters.
Take Control of Your Health and Your Budget
Stem cell therapy in Costa Rica may be more affordable than back home, but that doesn’t mean it’s easy to pay for. Fortunately, you don’t have to figure it all out alone. With the right information, support, and planning, you can access the treatment you need—without financial stress clouding the process.
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.
