Medical & Patient Financing

Healthcare has a payment problem. Insurance covers less, deductibles are higher, and patients increasingly face significant out-of-pocket costs. Many delay or decline treatment not because they don't want it—but because they can't pay for it right now.

Patient financing solves this problem. When a patient learns they need a $3,000 procedure with $1,500 out-of-pocket, financing transforms "I can't afford this" into "I can manage $125/month." Treatment happens. Patients get better. Practices get paid.

The healthcare categories benefiting most from patient financing are those with significant elective or out-of-pocket components: dental, cosmetic, vision, fertility, veterinary, chiropractic, and elective surgical procedures.

For practices, the benefits extend beyond individual patient conversion. Treatment acceptance rates increase 30-60% when financing is offered. Patients choose more comprehensive treatment plans when monthly payments are manageable. Case values increase as patients don't have to settle for lesser options.

The patient experience matters too. Medical financing providers like CareCredit, Alphaeon, and Lending Club offer healthcare-specific terms including promotional 0% APR periods. Patients appreciate financing designed for healthcare, not generic consumer lending.

From a practice operations standpoint, patient financing improves cash flow predictability. You receive payment upfront (or within days), eliminating patient payment plan administration and collections headaches. The financing company handles billing the patient.

Unison Payment Solutions integrates patient financing with your practice management and payment systems. Present financing options naturally during treatment discussions. Patients apply in-office with quick decisions. Approved patients can proceed to treatment immediately.