My insurance has the dreaded exclusion, but it didn't take me long to decide that I need this surgery. So, I'll be doing self pay.

My dad is a member of a great credit union with nice interest rates, so he is looking in to getting a loan for me. That way I'm not paying 20% (or more) in interest rates every month.

Has anyone done this before - with a family member? I know he took out a loan before on a boat, and he had to have all sorts of paperwork in order. Just wondering if this will be the same way and if it will be a problem that the surgery is for me. 

 

Im wondering the same thing and hope to hear from other people on your post.
Let me know how it goes for you!

I've changed companies since I've started this journey and neither covered this insurance. I personally think its sad. I even started looking into companies that did cover it and considered changing jobs again which was nuts.

I've never done the loan thing with a family member or for myself. I knew I needed the surgery. I just didn't want to be paying back a loan plus interest. But I know there are companies like carecredit.com that doesn't require a co-signer. They are very flexible on the credit score.