When looking for a personal loan to cover your medical expenses, it’s easy to make mistakes, especially if you’re hastily looking for a loan to help you pay an unexpected medical bill, or if you’ve had a quote for treatment that’s thousands of dollars more than you thought it would be but need to act fast.
Here’s a look at some of the biggest personal loan mistakes you should avoid when thinking about how to cover your medical costs.
When you want to get something sorted out quickly, it is tempting to just accept the first thing you find or are offered. If you do that when looking for a personal loan for your medical expenses, you may end up repaying thousands of dollars more than you need to or taking out a loan with a company that doesn’t really care about you.
Unfortunately, buyer’s regret won’t count for anything if you have a payment plan that lasts for seven years, and you find a better loan just after the one you accepted hits your bank.
Follow these golden rules for shopping around:
Remember that with MacCredit we provide you with a range of payment plan options to cover the cost of your medical bills, while you can also use MacList to find clinics and doctors near you that provide the treatment you are seeking.
It is easy to check your credit file and ensure that all the information held on it is correct, and if there’s any incorrect information held on there, it’s quite straightforward to resolve, too.
You should really check your credit file before you apply for any type of credit. Not only do you ensure the information that’s in it is correct, but you also can then go and apply for loans with a degree of confidence that you’ll be accepted.
Despite the personal loans industry being more heavily regulated than ever before, there are still some lenders out there who offer ridiculous repayment terms that have the potential to put you in difficulty.
Look out for the following:
If you find yourself needing to take out a loan quickly you’re more likely to fall into one of these traps, so remain diligent and again, take your time and ask all the questions you need.
Lenders usually take the flak when it comes to not lending responsibly, but it’s up to you to be a responsible borrower, too.
With this in mind, you should spend some time putting together your own financial plan so you can understand what you can afford. Think about potential changing circumstances, too. Do you have a variable rate mortgage, for example, and what would the implications be if your mortgage repayments increased? Likewise, if you opt for a variable rate medical loan or payment plan, what tolerance do you have for the payments increasing should interest rates go up?
Remember that irrespective of whether you’ve borrowed irresponsibly or the lender has lent to you irresponsibly, ultimately it is your credit file and your credit score that will be damaged.
Avoid these common mistakes when it comes to finding a personal medical loan, and you’ll find the best plan for you that enables you to save money and enjoy fantastic customer care while being able to undergo the treatment you need.
Disclaimer: This article contains general comments and recommendations only. This article has been prepared without taking account of your objectives, financial situation or needs. Before taking any action you should consider the appropriateness of the comments made in the article, having regard to your objectives, financial situation and needs. If this article relates to the acquisition, or possible acquisition, of a particular credit product you should obtain and consider the relevant disclosure documents before applying for the product.
Did Christmas and the New Year put paid to all the fitness work you did during the spring and the early part of the summer? If you fell off the wagon in dramatic style then fear not, for you weren’t alone.
At the same time, just because autumn is here and it’s getting darker, colder, and raining more often, that doesn’t mean you need to kick back and forget what fitness feels like until spring is here again. How can you keep your exercise regime moving throughout the autumn to ensure that you’re beach ready in a few months when things brighten up again?
Many people who don’t stick to an exercise plan fall off the wagon for that precise reason. It’s a plan, and sometimes sticking to a plan and to a routine is boring.
During the autumn months, if you plan to go for a run in the park every morning, but end up cancelling when it rains or is cold, you’ll quickly fall out of any planned routine.
This means you need to change it up.
Instead of having a plan, when you wake up and it’s warm and the sun is out, take the opportunity to take your exercise and go for your morning run then. If you know you need to exercise but don’t enjoy running, walk to the next bus stop in the mornings and evenings. Another great idea is to take a walk during your lunch break at work. Not only does it avoid you doing email while you eat and gets you moving, if you work long hours lunchtime might be the only time during autumn and winter that you see daylight, so take advantage and boost your mental as well as your physical health.
If you haven’t been to the gym or done anything especially active for a couple of months, it’s really important that you don’t over compensate and start doing twice the volume of activity you were before. The key to getting in shape is to ensure you push yourself without overtraining. If you’d run five kilometres before, then start running five kilometres now, or maybe even less.
You’ll soon be back into the swing of things and feeling fitter and looking better. If you go for it too hard you’ll end up injuring yourself and end up not being able to do anything for another few months.
Our biggest enemy can often be the scales, and a lack of weight loss can often see us pushing harder and getting injured, similar to what we looked at above.
To get around this, you simply need to stay off the scales.
Instead, think about how you feel, and how you look, and go from there. Sure, once you’re feeling and looking great you might want to adapt your diet or cut out certain foods in order to lose weight, but for now you should avoid being a slave to the scales.
Having fallen out of the exercise habit over Christmas and New Year, autumn and winter can be the perfect storm for getting even more out of shape. Look around the office. You’re probably not the only one feeling like you do. Ask your colleagues what they’re doing fitness-wise this autumn. Suggest going to the gym together, or motivating each other on those sunny mornings when you could walk to work instead of catching the bus.
You could even have a friendly bet on who will give up first, or who can jog home from work the quickest at the end of the week – doing it on Friday is a great idea as it stops you going for the end of week work drinks that inevitably turn into a big night out.
Summer is gone, the days are shorter and colder, so you have the perfect excuse not to exercise during the autumn.
Forget all that.
Instead, put these tips into practice to ensure you feel great all throughout the autumn and winter and can head straight to the beach in the spring!
While dentists and orthodontists both work to improve the oral health of their patients – some dentists and orthodontists may even work together in specific clinics – there are some key differences between the two.
With this in mind, it is unlikely that your dentist and your orthodontist will be the same person. The treatment pathway for dentistry is usually that you will go to your dentist for a general checkup and to undergo procedures such as having fillings or teeth removed, and perhaps even to undergo some cosmetic dentistry procedures such as cleaning and capping, while you will go to an orthodontist if you require specialist treatment.
Orthodontists will provide a range of additional cosmetic dentistry procedures, usually linked to straightening teeth and bite patterns. If you need braces, for example, then you will usually be referred by your general dentist to an orthodontist, but may return to your regular dentist for checkups and adjustments to the braces.
The easiest way to differentiate is to say that a dentist looks more generally at your oral health while an orthodontist is a specialist in a specific area, such as in teeth straightening as in the example above.
In terms of how dentists become orthodontists, all orthodontists will be qualified dentists and will have worked in a dental clinic for at least two years prior to undertaking the additional qualifications to become an orthodontist. Orthodontists therefore have a dentistry degree as well as an orthodontics degree.
Orthodontists will also typically work with different types of technology that aim to provide better treatment solutions. As a result, if you go to see an orthodontist you could find yourself undergoing a 3D scan of your jaw or being offered some new and innovative treatments, depending on what you’re looking to have done.
If you are in need of dental treatment you may be able to save time by ensuring you go and see the best person to diagnose and treat your specific problem. If you are registered with a dentist and attend regular dental check-ups, your dentist will refer you to an orthodontist as and when they identify any problems that require specialist attention.
If you don’t have a regular dentist but are seeking treatment, the table below will help you understand who you should go and see.
Do I Need to See a Dentist or an Orthodontist?
Make an appointment to see a dentist if….
Make an appointment to see an orthodontist if….
You haven’t had a regular dental checkup in the last 12 months
Your regular dentist has identified potential oral health problems that require orthodontic treatment and you have not yet been referred, or you have agreed with your dentist to find an orthodontist yourself
You are experiencing any pain in your teeth or gums
You have misaligned teeth
You are suffering with tooth decay
You have crowded teeth
You are suffering with root canals
You have an underbite or an overbite
You have bad breath, have tried over the counter solutions, and think you may have a gum disease
You are looking into cosmetic dentistry options such as crowns, bridges, veneers, or tooth whitening (You may also choose to enquire with a cosmetic dentist for these treatments. Although a cosmetic dentist may not offer general checkups, they will still be fully qualified dentists)
If you don’t have a regular dentist, or your dentist has told you to find an orthodontist to treat a specific problem, use MacList to help you find a dental clinic close by. All clinics and dentists listed on MacList also allow you to cover the cost of your treatment with a MacCredit payment plan.
Undergoing cosmetic ear surgery – or otoplasty to give it the medical term – can truly be life changing. Whether you are looking to undergo otoplasty for cosmetic and appearance reasons, or whether you have a medical issue that has been treated and you now require otoplasty, having the surgery can change your appearance and boost your self-esteem and confidence at the same time.
Otoplasty is used to improve the shape, position, or proportion of patients’ ears.
This type of surgery is often used to correct defects in the ear structure that are present at birth, although very young children will usually not be operated on unless there is a medical urgency for doing so. Often defects in the ear structure will only become apparent as young children grow.
While otoplasty is a common procedure undertaken by children, it is something that is available to all regardless of age and circumstances. Among adults, otoplasty is common where misshapen ears are present as the result of injury or because of a medical condition.
At the same time, adults may have structural defects that have been present since birth that were not previously treated, so may choose to undergo otoplasty as soon as they can. Adults may also choose otoplasty if as they grow older they feel dissatisfied with how they look following previous corrective surgery when they were a child.
The aim of otoplasty is to give the ear a natural shape and bring balance and proportion both to the ears and to the face in general. This may mean having your ears “pinned back” to avoid them protruding, or having the size of your ear lobes reduced.
Even small changes to the size and shape of our ears can have a profound effect on our self-confidence.
Specific reasons why someone may choose to undergo otoplasty include, but are not limited to, macrotia – a rare condition where ears are unusually large – and protruding ears on one or both sides where the protrusion is not related to hearing loss.
In the majority of cases, otoplasty is an elective surgery that isn’t considered essential from a medical point of view. Should you wish to undergo otoplasty for whatever reason, then it is often the case that you will be able to do so.
Below, we look at some of the criteria for undergoing otoplasty to help you identify whether you might be a candidate for this treatment.
Cosmetic surgeons will always put your health first, so this is the first thing to make sure of when considering otoplasty. If you’re generally unhealthy, you should look to make other changes to your life first before looking into this procedure.
If you suffer from recurring ear infections or other ear issues, or have any life-threatening conditions, then clinics will not perform otoplasty on you.
In addition to ear structure defects becoming evident at different stages, this is another reason why children undergo otoplasty at different ages. Surgeons will not operate on a child if their ear cartilage is not firm enough to withstand surgery. This could mean a child undergoes otoplasty at a very young age or later in life when they’re teenagers.
While clinics require parental permission to undertake the procedure itself, many today are happy to be child-led in terms of deciding whether to have otoplasty, and will communicate directly with the child about the procedure and the benefits of doing so.
If an injury has left you with misshapen or protruding ears, then otoplasty could help correct the problem and help you to regain lost confidence and self-esteem.
As we mentioned above, adults often want to undergo additional otoplasty when they are dissatisfied with the outcome of a previous procedure, usually one that was undertaken when they were a child.
If you are a smoker, clinics usually won’t carry out otoplasty on you.
If you don’t like your ears, then you can do something about it thanks to otoplasty! In addition to the above criteria, you should also be able to follow simple instructions, as there will be specific things you will be told to do, as well as things you can and can’t do, both before and after undergoing the procedure.
If you want to undergo otoplasty, you can use MacList to find a clinic, while MacCredit is here to help if you have any concerns about how you will cover the cost of your otoplasty treatment.
All clinics and doctors listed on MacList accept patients who are planning to pay for their surgery using a MacCredit payment plan, which you can apply for here.
Whether you are young and have limited credit history, or have a poor credit score due to problems in the past, it may be tempting to ask someone to take out a personal loan on your behalf. It isn’t against the law to do this, so it really comes down to the trust between the person who needs the loan and the person who will be taking it out on their behalf, and the arrangement they come to in relation to paying off the loan.
However, taking out a personal loan on behalf of someone can be a risky thing to do. Here are some of the considerations you should make, whether you’re the person who needs the loan or the person who will be taking out the loan on behalf of someone else.
Let’s say you’re the person who has taken the loan out on behalf of someone else, and you then fall out with $10,000 remaining on the loan balance. Unless the other person continues to honour the repayments, you’re going to end up liable for this $10,000 yourself. Unfortunately, you can’t call up the loan company and say “Actually, I took this loan out for someone else,” for them to turn around and say “Thanks for letting us know, don’t worry about it!”
One way to avoid this happening is to have a contract written up for the loan repayments, in effect saying that you have given a loan to the other person, so at least you have some form of legal option should you fall out later. Admittedly, asking someone to sign a contract like this isn’t easy, as straight away they might think you don’t trust them.
Same scenario, but you haven’t fallen out this time. Instead, the person who needed the money has lost their job or ended up taking a pay cut, and now they can’t afford to repay the loan.
Again, the onus falls on you to repay the loan.
If something has a negative effect on your credit file, it has the potential to have a hugely negative effect on your life in general.
How will taking out a personal loan on behalf of someone else effect your credit file?
While it isn’t against the law to take out a personal loan on behalf of someone else, you really need to think carefully before you do it. While it feels great to help someone out, in the long term it could lead to serious problems for all parties.
If you need a personal loan but can’t get one, remember that at MacCredit we accept joint loan applications, so if you’re a couple you can apply together rather than have one of you take out a loan on behalf of the other.
Apply for your MacCredit payment plan now.
Whether you’re considering undergoing a cosmetic surgery procedure because you want to improve a specific aspect of your appearance and boost your confidence, or you’re awaiting essential cosmetic treatment as a follow up to a prior medical condition, it is likely you have plenty of questions and perhaps even some fears about the procedure you’re about to undergo.
It is perfectly natural to have some level of apprehension and anxiety before undergoing a procedure. While some people are able to deal with how they feel, for some their cosmetic surgery fears can be full-blown phobias to the point they require counselling to help them even make a decision about undergoing surgery.
Wherever you find yourself on the anxiety scale, we should stress that if you feel that you’re not sure of the risks attached to cosmetic surgery – and there is always a risk, no matter how small – or you’re unable to understand or accept them, then you shouldn’t undergo the procedure if you don’t want to, unless it is an essential treatment.
You can lower or perhaps even completely remove your anxiety by taking a number of steps prior to undergoing a procedure. Whether you’re opting for an elective procedure or you have been told you should have – or at least consider having – something done following a medical issue, a lot of what you can do in the lead up to it will help to put your mind at rest.
Here’s what you should do.
Confidentiality rules governing the medical profession mean that you can’t be put in contact with people who have been treated at a specific clinic or undergone a specific procedure in the past. However, there are plenty of online forums – not to mention social media websites – where you can go for support and to ask questions about different procedures and clinics.
Talking to people who have previously undergone a procedure and will be able relate to you is a great way not just to relieve anxiety but also to understand the difference it has made to their lives. This is a powerful means of understanding the experience of the procedure and the effect it could have on your life.
If your consultant doesn’t put you at ease, then this is likely to be a major cause of your anxiety. This doesn’t mean the consultant is necessarily bad at what they do, but their personality might just not be what you need to make you feel happy about undergoing your procedure with them.
When you’re at ease with your surroundings and the people who will be administering your treatment, you’ll feel much better about it.
If you’re struggling to find a clinic or consultant you can use MacList to help you.
Carrying out your own research into the procedure you’re interested in is another great way to help put your mind at rest. There are numerous medical advice websites available today where you can find out everything you need to know about specific procedures or medical terms that you don’t understand.
Be wary that when doing your research, you might find yourself gravitating towards what you perceive to be the negative aspects of the procedure.
Rather than letting these put you off, use them to help inform and formulate the questions you’re going to ask during your next consultation.
For some patients, their anxiety of the period of recovery post-surgery can outweigh the worry surrounding the surgery itself.
Those undergoing gastric band procedures, for example, may worry about what they can consume in the weeks following surgery or when they’ll be able to “eat properly” again.
While clinics will inform you of everything you should do post-surgery to ensure you minimize risks and reduce your recovery time, be sure to ask any additional questions you may have. Remember that when it comes to post-surgery, each of our bodies adapts differently, and just because you speak to a couple of people online who were fully recovered in a short space of time that doesn’t mean the same will be true for you. In fact, by rushing ahead with your recovery post-surgery you could be putting yourself at further risk of complications.
Though you will always be able to find examples of when worst case scenarios have played out following cosmetic surgery, remember that overall the risks are very small. By following the other tips above, you will feel at ease and find the best clinic and surgeon to undergo your procedure with, regardless of whether you’re undergoing elective surgery or need treatment out of necessity.
Put you mind at rest and move forward with the cosmetic surgery that could change your life. If you are worried about how to cover the cost of your procedure, then MacCredit may be able to help with a payment plan tailored to you.
Cosmetic surgery and plastic surgery isn’t just for women. While it is still more common for women to undergo such procedures, they are growing in popularity among image conscious men, while the stigma related to undergoing a treatment as a man is also slowly reducing.
Here’s a look at the top five plastic surgery procedures that men across Australia are looking for.
While there are plenty of men out there who dream of having a six-pack, bigger biceps, and a generally more well defined body, many of them accept that without committing themselves to the gym in the long run and sticking to a strict eating regime that it might be unrealistic to 100% achieve what we want to, especially as our lives are getting busier all the time.
Along with this, many men then choose to focus on making their appearance what they would deem to be acceptable. For increasing numbers of men in Australia, this means waving goodbye to “man boobs,” hopefully forever.
There are numerous options out there for men who are interested in undergoing breast reduction surgery, though liposuction followed by the removal of excess skin is the most popular. While there’s a short recovery time of a few weeks before you can start heavy lifting again – whether you do this for work or are a regular at the gym – if you’re looking for body confidence this might be top of your cosmetic surgery wish list.
More commonly known as nose jobs, rhinoplasty procedures are growing in popularity among men of all ages. For many men, their nose is like their ears, in that they continue to grow throughout their lives. This leads to a lot of older men exploring rhinoplasty options as they age.
Among younger men, choosing surgery to reshape or resize the nose is also common, while choosing rhinoplasty following a facial injury gained at work or playing sports is also on the increase.
Medically termed blepharoplasty, eyelid lifts are common among men who are keen to reduce signs of ageing. As well as taking away the youthful appearance of your face, there is also a medical consideration here, as if your eyelids have started to sag they can affect your vision, despite there being nothing actually wrong with your eyes themselves.
There is also the option of undergoing a lower blepharoplasty as an alternative treatment or alongside the eyelid lift. The lower blepharoplasty looks to remove eye bags from beneath the eyes and can instantly make you look younger and more energetic.
Whether you’re a man who is tired of feeling like you’re in your late 20’s but looking like you’re in your 50’s, or you have felt your confidence sap as you have aged, a facelift could be an option for you, and is one that many Australian men are already choosing.
Many men who choose to undergo a facelift will also undergo skin rejuvenation surgery to minimise scarring, and find that both their personal and professional lives can massively benefit as a result.
Away from specific instances of breast reduction surgery, liposuction as a more general treatment, along with body contouring, is growing in popularity among men in Australia. While men can choose to undergo these treatments without having had any prior surgery or different treatments, they are common among men who have undergone gastric band or bariatric surgery, and having lost weight are keen to remove remaining unflattering fatty deposits or confidence-draining stretch marks.
These are great options for getting back what you consider to be your normal body shape following a period of weight loss and lifestyle change.
Whether you’re looking for one of these five treatments, or are considering undergoing some cosmetic dentistry treatment or another procedure, MacList can help you to find a clinic near you.
All clinics you will find on MacList allow patients to pay using a MacCredit payment plan. If you require help paying for your cosmetic surgery, you can apply for a MacCredit payment plan here.
Health News, Medical Treatement, Plastic Surgery
Whether it’s a toothpaste ad, a glossy magazine, or even one of our best friends, many of us have a smile that we’re envious of and wish we had ourselves. Sadly, many people wrongly believe that getting a perfect, ‘insta-famous’ smile that they’d want to share far and wide on their social media accounts is beyond them. This isn’t the case at all.
The great thing about achieving a beautiful smile is that it can often deal with a cosmetic and a medical need at the same time. For example, fixing crooked teeth will make you look better and feel much more confident in your smile, but the primary motivation is almost always going to be making dramatic improvements to your dental health.
Whether you’re primarily motivated by cosmetic reasons or have an underlying dental issue that needs treating, an ‘insta-famous’ smile may only be a simple procedure or course of treatment away.
Here are some options you might wish to explore to improve your own smile, and to enjoy all the benefits that come with doing so.
What’s less attractive: braces or crooked teeth?
The answer for many people might be braces, because there’s a lot of self-awareness around them. Yet at the same time, we have to consider whether the trade-off of having braces is worth it to then have a beautiful ‘insta-famous’ smile forever.
For many people, this trade will definitely be worth it.
What’s more, braces have come a long way, particularly over the last 20 years, and the stereotypical “brace face” is very much a thing of the past. A lot of brace treatments today are very subtle, while small changes can be made by non-permanent brace fittings. For permanent fittings, specific colours or even see-through options are available to reduce your self-awareness.
Braces are definitely one treatment where a medical need will usually take precedence, though you can get them fitted purely for cosmetic dentistry reasons, too.
While some dentists can also provide lip fillers, it is usually better to go to a proper cosmetic surgeon to undergo any treatment for the lips. This is especially true if you require a broader treatment than simply having a filler injected into your lips.
For example, if you have a high lip – and as a result have a toothy smile that you feel is excessive – and would like this to be dealt with at the same time, you need to see a lip surgeon anyway. Other treatments that are commonly sought at the same time include anti-wrinkle injections and muscle relaxing treatments to allow a wider, more expressive smile.
Lip fillers can be relatively cheap, but often the lowest price ones leave you needing to seek a repeat treatment after 2-3 months. Instead, seek out a longer lasting pout by opting for lip fillers that can last around 18 months. If you’re not sure if you’ll like the effect, then the shorter lasting ones might be an option so you can decide whether fuller looking lips really are for you or not.
Whether you already have straight teeth or need to have braces fitted first, or perhaps even need additional cosmetic dentistry treatment beforehand, a great way to add the finishing touch to your ‘insta-famous’ smile is to undergo teeth whitening treatment. While there are numerous treatments that you can buy off the shelf in the supermarket or the beauty store, the truth is you might be using these for months and spending a hell of a lot of money when the “guaranteed two shades lighter” on the box doesn’t make any real, noticeable difference to you at all.
Instead, seek out something longer lasting. The two most popular options are in-chair whitening, which is exactly how it sounds – you simply attend the dentist and they give your teeth a professional clean and whitening treatment on the day. Sometimes these can last as little as 45 minutes, and there’s no need to hang around afterwards. Alternatively, a cosmetic dentist can provide a tray treatment that you wear for around 30 minutes a day for a week, after which you don’t require further treatment, though follow up trays can be purchased to keep your smile as bright as you want it to be.
We think the ‘insta-famous’ smile is much more than a beauty trend. It’s a great way for all of us to lose our self-awareness around our smiles and to feel far more confident in social situations or when being photographed.
You shouldn’t let finances get in the way of your quest for the perfect smile, either. Use MacList to find a cosmetic dentist or a cosmetic lip surgeon near you, then apply for a MacCredit payment plan to cover the cost.