In recent years, Poland has become a sought-after destination for orthopedic surgery. With high medical standards, experienced surgeons, and significantly lower prices compared to countries like the United States or the UK, it's no surprise that more patients are considering Poland for procedures like joint replacements, spinal surgeries, and ligament repairs.
But even though orthopedic surgery in Poland is often more affordable, it still requires upfront financial planning—and for many, that’s where challenges begin.
Understanding the Cost Barrier in Medical Travel
While medical tourism offers cost savings, patients are often surprised to learn how many expenses must be paid in advance. These include not just the cost of the surgery, but also travel, accommodation, local transportation, and sometimes pre-operative tests or post-operative care.
Even a procedure that’s 50-70% less expensive than in one’s home country can require thousands of dollars upfront. For many individuals, that’s simply not money they have readily available—especially if insurance won’t cover treatment overseas.
What Is Patient Financing?
Patient financing is a way to spread out the cost of medical or dental procedures over time, typically in the form of installment payments or medical loans. It helps make care more accessible by removing the need to pay the full amount at once. Patients can finance the procedure itself or the total package—including flights, hotels, and recovery stays.
However, finding financing options for international medical travel can be more complicated than domestic care. That’s where guidance and clarity are essential.
Can I Finance My Orthopedic Surgery Abroad?
Yes, financing your orthopedic surgery in Poland is possible—but navigating it can be confusing. Unlike local procedures, international treatment plans may not qualify for standard health loans or insurance reimbursements.
That’s why many patients turn to supportive platforms like Better by MTA, which don’t offer financing directly, but instead help patients understand their options, create realistic treatment budgets, and plan every step of their journey.
What If I Don’t Have Insurance?
Many patients seeking surgery abroad fall into one of two categories:
- Uninsured or
- Underinsured—meaning their current policy doesn’t cover international care or certain types of orthopedic procedures.
If you fall into either group, don’t lose hope. Medical travel financing still remains an option. You may be eligible for monthly payment plans or third-party financing—even if traditional insurance doesn’t apply. Better by MTA helps educate and guide patients in this situation, ensuring they know what’s possible and how to prepare.
Are Monthly Payment Plans Available?
Monthly installment plans can offer a manageable way to pay for surgery, often starting before the treatment and continuing for months after. This allows patients to move forward with critical care without delaying for financial reasons.
But identifying trusted sources for these payment plans can be challenging, especially with the risk of high-interest terms or unreliable providers. Better by MTA acts as a neutral guide, helping patients:
- Compare different types of medical travel financing
- Assess total costs with no hidden fees
- Understand their repayment commitments
- Avoid financial pitfalls or unnecessary stress
How Better by MTA Supports Patients Every Step of the Way
Better by MTA is not a bank, a clinic, or a lender. Instead, it serves as a trustworthy companion throughout the medical travel process. From the early planning stages to budgeting and aftercare, Better by MTA empowers patients by offering:
- Clear explanations of available financing options
- Support in treatment budgeting and planning
- Tools to assess affordability and timelines
- Education on navigating international healthcare costs
It’s not about selling financial products—it’s about putting control back in your hands.
Orthopedic surgery in Poland can provide life-changing results at a fraction of the cost seen in other countries. But that doesn’t mean it’s free from financial challenges. Even the most affordable care still needs thoughtful planning and often, some form of financing.
Whether you’re uninsured, seeking flexible payment options, or simply feeling overwhelmed, remember this: You’re not alone. Better by MTA is here to guide you—not sell to you—so you can move forward with confidence and clarity.
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.
