Planning to travel abroad for knee replacement surgery in the Czech Republic? You're not alone. With high-quality orthopedic care available at lower prices than in many Western countries, the Czech Republic has become a popular destination for patients seeking affordable, effective joint replacements. But even with the savings, the cost of traveling, undergoing surgery, and staying for recovery can still pose financial challenges — especially when payment is expected upfront.
Here’s what you need to know about medical travel financing, why it matters, and how Better by MTA can support you throughout the process.
Why Patients Choose the Czech Republic for Knee Replacement
Czech orthopedic clinics are known for advanced techniques, well-trained surgeons, and affordable rates — often 40–60% lower than in the U.S. or U.K. But even when the procedure costs less, patients still need to consider expenses like:
- Flight tickets
- Pre-surgical consultations and imaging
- Hospital stays and rehabilitation
- Local accommodation for recovery
- Travel for a companion or caregiver
These costs add up quickly — and most providers abroad require payment before the procedure. That’s where financing becomes essential.
What Is Medical Travel Financing?
Medical travel financing refers to flexible financial arrangements that help patients pay for their treatment abroad. It allows individuals to receive necessary care without paying the entire amount upfront out of pocket.
In simple terms, financing breaks your total cost into manageable monthly payments. This can be incredibly helpful if:
- Your insurance doesn’t cover treatment overseas
- You're seeking care as a self-pay patient
- You want to preserve savings or avoid credit card debt
Better by MTA doesn't offer financing itself — but we help you understand how it works, what your options are, and what to plan for.
Common Questions About Financing Surgery Abroad
1. Can I finance my treatment abroad?
Yes, many patients do. There are various ways to finance medical travel — through savings, health loans, or external financing. What’s important is to understand the total cost early and decide what monthly payments are realistic for your situation.
2. What if I don’t have insurance?
If you’re uninsured or underinsured, medical tourism can still be an excellent option — but you’ll need to budget for everything out of pocket. That makes planning and support even more critical.
3. Are monthly payment plans available?
In some cases, yes — but many international providers expect full payment before treatment. Financing allows you to pay the provider upfront while spreading your own costs over time. Better by MTA can guide you through the process of understanding these timelines and payment expectations.
Why Even “Affordable” Surgery Still Needs a Plan
It’s a common misconception that “affordable” means “easy to pay.” But surgery — even at reduced prices — is a major investment.
For example, a knee replacement in the Czech Republic might cost $7,000–$10,000. Add in travel and recovery expenses, and you might be looking at $12,000 or more in total. Without a financing strategy, that number can be a barrier.
Better by MTA helps you look beyond the procedure price and consider all associated costs, so there are no surprises.
How Better by MTA Supports You
Better by MTA is not a lender and doesn’t push any specific financing product. Instead, we act as your trusted guide in the medical travel journey.
Here’s how we help:
- Budget Planning: We help you estimate your total cost — not just surgery but everything else involved in traveling for care.
- Understanding Your Options: We explain the difference between health loans, savings strategies, and payment plans without selling anything.
- Transparent Timelines: Know exactly when payments are due, so you can arrange financing in advance.
- Stress-Free Preparation: With clear financial planning, you can focus on recovery, not money worries.
Whether you're comparing quotes, setting a budget, or thinking about monthly payments, Better by MTA ensures you're informed, supported, and never rushed into decisions.
Traveling to the Czech Republic for a knee replacement is a smart move for many patients — combining excellent care with cost savings. But making it happen requires thoughtful financial planning. Even the most budget-friendly options come with upfront costs that can’t be ignored.
Medical travel financing bridges the gap between what you can afford today and the care you need. With Better by MTA, you're not alone in that process. We provide guidance, clarity, and tools to make your treatment journey smoother — without ever pressuring you into a specific financial route.
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.
