Stem cell treatment involves the replacement of the patient’s diseased bone marrow with healthy new blood cells. The new stem cells may be extracted from the patient’s own body or from other sources like a relative or a volunteer donor.
In a brief outline, the stem cell transplant procedure involves the following steps: patient is given chemotherapy and/or radiation to kill diseased cells; client receives new healthy stem cells through a vein (the procedure is similar to a blood transfusion); and the transplanted cells begin to grow and produce healthy blood cells. An increase in the number of white blood cells in the body is the first sign that the transplant is working. White blood cells protect the body from infection and are also referred to as soldiers of the body.
The stem cell therapy is a very complex procedure. Patients may suffer from life-threatening complications arising from the treatment. Before deciding to go through with it, one may want to ask medical experts about the risks and benefits involved.
Blood stem cell transplant is also a very expensive medical treatment. In fact, stem cell financing is often needed to cover the costs. Medical financing companies offer loans to pay for all or part of the treatment cost. Interest rates will be based on the selected loan term, loan amount and credit history.
Some financing companies offer a twelve-month interest free-rebate plan. Low interest rates are awarded to patients who have excellent credit standing. In certain cases, clients with past credit problems can qualify for reasonable interest rates. Loan terms may run anywhere between 12, 24, 48 and 60 months, depending on the patient’s credit background and his capability to pay.
Down payment requirements are based on the credit history of the client and the requirements of the health care provider. Applications for medical loans can be done either online, fax or through phone – whichever is most convenient for the patient. Maximum amount of loan available varies. Some lending agencies can grant up to one hundred thousand dollar loan.
Credit agencies also offer promotional schemes for their clients. Customers can enjoy options like no money-down, interest-free periods, payments as low as one percent of the balance, one-application multiple-loan options, and many more. Agents work to find options that will match specific needs and qualifications of their clients.
No matter what stem cell financing scheme you choose, make sure that you are well-informed on the benefits and risks involved in stem cell treatment.
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