That's why the Bone & Joint Center offers Health Services Financing.

Our simple patient-loan financing program gives you peace of mind so you can begin moving forward with life. 

Bone & Joint has partnered with Commerce Bank to offer Health Services Financing at no cost to our patients. Through this agreement, patients or guarantors, who carry an outstanding balance of $1,000 or more with Bone & Joint, may take advantage of our zero-percent interest bill-payment plan. That’s right, zero-cost financing!

CLICK HERE to review our financing terms and payment plan chart (Open in Firefox or Chrome or view chart below). 

You can combine charges for multiple visits and services at any of our Bone & Joint Center locations into one monthly payment.

Don’t let the cost of high deductibles or large co-insurance payments prevent you from receiving the care you need!

How do you apply for no-cost Health Services Financing? 

Bone & Joint’s patient advocate team is available during regular business hours to answer your questions. They can help you complete the simple enrollment process.

• It’s easy to enroll. There’s no time-consuming paperwork or set-up fees.
• After enrollment, you will receive a monthly bill/statement from Commerce Bank.
• Manageable monthly payments are determined by the amount of the outstanding balance.
• You can pay your balance off early without penalty.
• Continue to receive necessary care while you are on the payment plan.
• Pay for multiple services on one account. 
• All patients qualify for financing.
• There's no credit check necessary.
• Clinic and surgery center balances, as well as multiple family member accounts, can be combined by a patient guarantor to meet the minimum required balance. Combined balances are conveniently financed under one monthly bill.

How do patients or guarantors qualify for financing?

Patients must carry an outstanding balance of at least $1,000 on a Bone & Joint Center account (Clinic and/or Surgery Center) for initial financing. Subsequent financing arrangements have a $750 minimum balance requirement.

What is the cost of the loan to the patients?

The line of credit is provided to patients or guarantors for no additional cost. Bone & Joint offers the zero-percent Annual Percentage Rate (APR) financing regardless of the amount outstanding or the number of months needed to pay. 

Our special arrangement allows you to pay your bills with monthly payments that carry zero-interest financing when you have a balance of $1,000 or more. Depending on the amount, you can finance your care for 12, 24, or 36 months. Here are some sample repayment terms.

What happens if I do not want a credit line and cannot pay my bill?

By taking advantage of Health Services Financing, patients will enjoy continued and uninterrupted services. Patients will not have to worry about receiving calls from Bone & Joint's billing department or dealing with annoying bill collectors or attorneys. 

How do I find out more about Health Services Financing’s zero-percent interest loans?

When you visit Bone & Joint, tell the receptionist you are interested in learning more about Health Services Financing. A person from our Patient Advocate Team will talk to you about the program. You can also contact our Patient Advocate team directly at 800-445-6442.

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