I have spent a lot time on google researching that very topic. There is a lot of information and many companies offer "medical" loans. They are all very similar and none really stood out as an exceptional product.
After our consult at ORM the nurse suggested we make an appointment with there financial department. "They are great." she said. "They know everything." she said. I should have asked some more questions. In my mind I really thought that they new everything and were great.
We got off early from work and drove over the bridge to NW Portland to meet with Carey at the Northrop office. Carey was ready with a power point presentation to walk us through the payment process. This would show us in technicolor what to expect payment wise over the next three months. I told her I had read the e-mail she sent out to us and thoroughly understood the process. I really was more interested in there financing products they offered and what interest rate we qualified for. What is our payment going to be? That is all I want to know at this point.
She handed us the brochures for the two financing companies they use and told us to apply on-line. "I could of done that at home." I complained. She said "Sorry for wasting our time."
Destry must have been feeling generous because at this point he offered to look at her little power point presentation. She got all excited. Sat up real straight and engaged her professional PR voice. That tends to sound so phony to me every time I hear it. Then proceeded to explain page by page the payment process that I am familiar with already. She gave us an incredibly low price quote for the IVF procedure. "This is what we are quoting people these days." She said.
Dr. Barbieri told me that 90% of all her patients use ICSI and Assisted Hatching these days. I would not go forward with ORM if they did not think these techniques were a good idea for me. Those expensive procedures are not included in there Power Point presentation quote. I feel people may feel miss lead if they did not look at the Dr. recommendations real close after the consult.
My questions to Carey were:
What are the options for people looking for assistance in paying for the medications?
Is there any companies offering supplemental insurance for fertility treatments?
Are you familiar with any fertility Grants we may qualify for?
Do you offer a discount for cash payment? (No, We believe our prices are competitive.)
Carey had a look of total confusion followed by a "I have not idea."
We walked out of there less than 20 minuted later. Would have been ten if we didn't sit through the Power Point presentation. I was miffed to say the least. Then continued to be unimpressed with the financial department for the next two days.
I may apply on-line for the medical loans once I hear back from my bank. The reality is my debt to income ratio is to high to qualify for the advertised low rates these companies offer. I feel the credit card I have, have reasonable rates compared to a personal or fertility loan. I have submitted a Grant application with Fertile Dreams that will cover $10,000. toward IVF. That is a long shot but it does not hurt to try. These Grants have helped a lot of people in need. Even if I don't get receive a grant I will be asking people to donate to them this year in my name for Christmas.
Until then, praying for a miracle this month!
After our consult at ORM the nurse suggested we make an appointment with there financial department. "They are great." she said. "They know everything." she said. I should have asked some more questions. In my mind I really thought that they new everything and were great.
We got off early from work and drove over the bridge to NW Portland to meet with Carey at the Northrop office. Carey was ready with a power point presentation to walk us through the payment process. This would show us in technicolor what to expect payment wise over the next three months. I told her I had read the e-mail she sent out to us and thoroughly understood the process. I really was more interested in there financing products they offered and what interest rate we qualified for. What is our payment going to be? That is all I want to know at this point.
She handed us the brochures for the two financing companies they use and told us to apply on-line. "I could of done that at home." I complained. She said "Sorry for wasting our time."
Destry must have been feeling generous because at this point he offered to look at her little power point presentation. She got all excited. Sat up real straight and engaged her professional PR voice. That tends to sound so phony to me every time I hear it. Then proceeded to explain page by page the payment process that I am familiar with already. She gave us an incredibly low price quote for the IVF procedure. "This is what we are quoting people these days." She said.
Dr. Barbieri told me that 90% of all her patients use ICSI and Assisted Hatching these days. I would not go forward with ORM if they did not think these techniques were a good idea for me. Those expensive procedures are not included in there Power Point presentation quote. I feel people may feel miss lead if they did not look at the Dr. recommendations real close after the consult.
My questions to Carey were:
What are the options for people looking for assistance in paying for the medications?
Is there any companies offering supplemental insurance for fertility treatments?
Are you familiar with any fertility Grants we may qualify for?
Do you offer a discount for cash payment? (No, We believe our prices are competitive.)
Carey had a look of total confusion followed by a "I have not idea."
We walked out of there less than 20 minuted later. Would have been ten if we didn't sit through the Power Point presentation. I was miffed to say the least. Then continued to be unimpressed with the financial department for the next two days.
I may apply on-line for the medical loans once I hear back from my bank. The reality is my debt to income ratio is to high to qualify for the advertised low rates these companies offer. I feel the credit card I have, have reasonable rates compared to a personal or fertility loan. I have submitted a Grant application with Fertile Dreams that will cover $10,000. toward IVF. That is a long shot but it does not hurt to try. These Grants have helped a lot of people in need. Even if I don't get receive a grant I will be asking people to donate to them this year in my name for Christmas.
Until then, praying for a miracle this month!
Such a really nice and great informative post.Thanks for share with us.
ReplyDeletePortland IUI