Check your bill and assistance options before borrowing.
Start with the medical provider and your insurer. Once you know the amount you owe and the assistance available, compare any payment or financing options.
Start with the details that matter
Ask about coverage and assistance
The CFPB recommends asking what insurance covers and whether financial assistance or charity care is available before agreeing to a financing plan.
Review a provider payment plan
Ask for the rate, fees, payment schedule and total cost in writing. Confirm whether the plan is offered by the medical provider or a separate financing company.
Read promotional interest terms
A deferred-interest offer can have costly conditions if the balance is not repaid by its deadline. Ask exactly when interest is charged and how it is calculated.
Compare other financing carefully
If borrowing remains necessary, confirm permitted loan uses and compare the full offer. Moving a bill to a credit product can make financial-assistance questions more complicated.
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Sources and further reading
Updated September 24, 2026. Product profiles show their own source-check dates and scope. Our editorial policy.