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Millions of Americans have to deal with the impact of not having health insurance. When you don’t have health insurance, getting medical care can prove to be quite costly. If you know that you need a surgery and you don’t have medical insurance to help cover the costs, you might be very worried. However, there are ways that you can still get the surgery that you need without insurance. 

Shop Around and Talk to the Doctors

Shopping around might help you get the surgery that you need at a reduced rate. You have to understand that surgery is likely going to be costly no matter what. However, you might be able to find a hospital that charges a better price than others in the area. Also, calling and negotiating with doctors can sometimes help you to get a reduced price if you explain your situation while being as courteous as possible. 

Take Out a Loan

Perhaps the best way to pay for a surgery without health insurance is to take out a loan. This can be tough to do if you don’t have good credit, though. You’ll likely need a decent credit score to secure a loan of several thousand dollars. Depending on the type of surgery that you need, it’s possible that the procedure could cost ten thousand dollars or more. 

Borrow from Your Retirement Plan

Borrowing from your retirement plan could work when you’re trying to pay for a surgery. You might be able to pull money out from your retirement savings account. Some accounts have penalties for trying to draw from them before a certain date, however. Just keep this in mind as an option even if you’d rather not resort to doing this. 

Home Equity Loans

Home equity loans can also be considered when you’re trying to pay for healthcare costs. If you own your home, you could refinance the home or otherwise seek out a home equity loan. This might give you more than enough money to cover your medical costs. Of course, this is only a useful idea if you’re lucky enough to own a home. 

Payment Plans

Another option is to simply work out some type of payment plan with the hospital. They might allow you to pay a certain amount of money per month until the bill is paid in full. This will allow you to get the surgery taken care of without having to worry so much. Some people have even been able to negotiate very reasonable monthly payments.