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Insurance Hell All insurance-related matters are here: Medicare, worker's compensation, appeals, denials, insights, wins, losses. PRICING is here too. Note: This forum has posts from 2006 forward. Older ones are in the Big File.

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Old 03-30-2015, 03:23 PM
Cheryl0331 Cheryl0331 is offline
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Join Date: Dec 2010
Posts: 821
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While we are waiting on our insurance: We got a small personal unsecured loan from our local credit union and finagled some things. Here are some other ideas: AmOne and Discover Personal Loans. We have high credit score and still it was higher interest than I would like; Discover gave us 15.99 % on $20,000. We are still waiting to hear from AmOne. They search options in your area and try to get you the best deal. We didn't want to put a second on the house. I checked with some companies that where featured on Fox Business News, but they will only work with US hospitals and doctors or issue credit cards that are not usable outside the US. Care Credit was crazy interest!!!
53 yr old 5ft.7in. 141 lbs. non-smoker conservative treatments failed
2007 fusion C4-6 w/peek implants plate & screws, failed due to long term use of cox-2 inhibitor
2008 revised w/donor bone replace plate & screws
2009 fusion Roi-C C3-4
2015 MRI & CT mjr ddd C6-7, segmental kyphosis at C7-T1 2-level ADR with Dr. Clavel Barcelona Spain
2019 some ddd C2-3, but stable, occipital nerve pain , HO behind M6 left C6-7 and in spinal canal. Revision by Dr. Schmitz Dusseldorf Germany

Last edited by Cheryl0331; 03-30-2015 at 03:25 PM. Reason: forgot some info
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Old 03-30-2015, 06:46 PM
NJ Gene NJ Gene is offline
Senior Member
Join Date: Feb 2013
Posts: 376

Cheryl, if you have really good credit, new credit card companies always want you to join and will often offer you a 0% balance transfer rate. This can be good for up to 18 months depending upon which one. Here is a link to a search I just did on this.;_ylt...yfp-t-901&fp=1

I actually took out a small loan this way. If you do this, be sure not to charge anything else to the new card until after the balance transfer is paid off. Otherwise you will be subject to interest on it. Basically you would take out the initial loan on Discover and then transfer it to the new card.

Car Accident 2002 - Small Herniated Disc C3/C4
1998 Larger Herniation and Cervical Fusion C3/C4
2005 Herniation C4/C5 - 40 epidural steroid injections from Oct 2005, - Oct, 2007
2008 - Foraminotomy at C6/C7 on left side
Feb, 2010 - Cervical Fusion C4/C5
Dec, 2010 - Lumbar Fusion L3/L5
2013 - Bulge on C5/C6; herniation C6/C7 right side
Mar 26, 2013 - Foraminotomy at C6/C7 on right side
May 5, 2015 - ADR with Dr Blumenthal of TBI for C5/C6 using Mobi-C
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