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Is Credit Care a good alternative?

So I looked on credit karma and my credit score is "Fair". I don't even have credit except for a car loan so I understand why it's not super high however I have made 100% of my payments on time. I'm contemplating applying for credit care I'm just super nervous and stressed out about the whole Interest going up if I miss a payment or if something goes wrong. Has anyone had any successful/ horror stories with Credit Care? I would use credit care to pay the $3,000 deductible and I would pay 250$/month for 12 months is my plan. I'm always on time with bills and payments so I feel like I could totally do it. I'm just scared ! Thanks ladies for your input and helpful advice. I hope that sometime this year I can undergo the surgery and actual enjoy wearing bikinis and running !

Crying my eyes out

update: called the insurance company and those f&ckers only pay for 60% of the initial cost. So I would have to pay a $3,000 deductible and if the cost was 10k I would have to pay 4k out of my own pocket. So I can kiss the dreams of getting small boobs and being happy with my life goodbye. Also I have Florida Blue :Blue Cross & Blue Shield. I'm so freaking pissed and upset. I just want to go in a crawl in a hole and never come out.

Pic of Pre Op Breasts