Can surgery costs be split between two Carecredit cards?

Question

Both my husband and I were approved for Carecredit credit cards at $7,800 each. I am really wanting a mommy makeover. Is it possible to split the cost between our cards?

Sheila S. Nazarian, MD · Answer

I would suggest that you speak with a Care Credit representative as to whether or not it's possible. And to make sure that you can then afford the payments. Best, Dr. Nazarian

Rodger Shortt, FRCSC · Answer

You should check with your financial provider to ensure that it will not be a problem.  Debt problems for cosmetic surgery are definitely not worth it.Dr Rodger ShorttOakville Plastic SurgeonDirector of Cosmetic Surgery Training &Assistant Clinical Professor,McMaster University

Paul J. Leahy, MD · Answer

Thanks for your question. I'm not aware of that being an issue, but it would probably be something to ask the Care Credit representatives. Our office has had people use two different credit cards for various reasons. Best wishes.

Ellen A. Janetzke, MD · Answer

According to my office manager it should not be a problem as it is essentially the same as using 2 different credit cards. Certainly you should discuss this with your surgeon's patient care coordinator to make sure that they do not have a specific policy against using 2 cards (but I think that would be very unusual). Best wishes for your procedure!

Jaime S. Schwartz, MD, FACS · Answer

I appreciate your question.

Best to speak with your surgeon's patient care coordinator to see what type of financing they accept.  If your surgeon accepts care credit, that should be fine.

The best way to assess and give
true advice would be an in-person exam.

Please see a board-certified
plastic surgeon that specializes in aesthetic and restorative plastic surgery.

best of luck!

Dr Schwartz

Brian K. Reedy, MD · Answer

It's best to check with your surgeon's office staff or your patient coordinator regarding they're financing policies but as long as your husband is there to sign for his card, you shouldn't have a problem. Congratulations on your decision and good luck!

Ronald Levine, MD · Answer

Splitting up the cost with different payment methods is possible. Just discuss your needs with your surgeon's office and they should be able to help you.

Sugene Kim, MD, FACS · Answer

Thank you for your question. I have had several patients split the cost of their surgical procedure between  multiple credit cards including CareCredit. As long as both parties are present to present proper identification it should not be a problem for you and your spouse to this. Best of luck!Dr. Kim

Michael J. Schenden, MD · Answer

Yes, you can split your surgery cost between the two cards.  Your husband would need to be present at the time of processing your payment to authorize the charge on his card.  It is best to have a full consultation to understand the surgery and the financing. Best of luck to you.

Steven M. Lynch, MD · Answer

Hi,  It is important for you to check with your plastic surgeon to see how the financing is done for your surgery.   The office will be able to give you an answer to not only this but other options of which you may not be aware.

Can surgery costs be split between two Carecredit cards?

Answers (10)

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