This page outlines the available payment pathways, including accepted payment methods, internal pre-payment plans, and considerations for patients exploring external financing options independently.
Your Personalised Surgical Quote
A detailed cost breakdown is provided after your consultation with Dr Turner. This quote includes all fees associated with your procedure, such as surgical, anaesthetic, and hospital charges. If your surgery meets Medicare’s strict criteria for medical necessity, any applicable rebates or private health fund contributions will also be outlined.
This written quote allows for fully informed financial consent. It’s important to review this document carefully, ask questions, and ensure you are comfortable with all aspects before proceeding.
Accepted Payment Methods
We accept the following direct payment options:
- Bank Transfer / Direct Deposit
- Credit Cards (Visa, Mastercard, AMEX)
- EFTPOS
Final payment for surgery is due 2 weeks before your procedure. All payment details and deadlines will be clearly outlined in your surgical information pack.
Pre-Payment Plan (Internal Clinic Option)
Dr Turner’s practice offers a pre-payment plan to help you manage costs over time. This allows you to make scheduled payments towards your procedure in the weeks or months before surgery—avoiding the need to pay in a single lump sum.
This is not a loan or finance product, but a structured savings arrangement directly with the clinic. It is especially helpful for patients who prefer to avoid credit-based options or external finance. The full surgical fee must be paid by the due date prior to surgery. Please speak with our team to set up a pre-payment schedule that works for you.
External Financing: What You Should Know
While we understand that some patients explore third-party finance options, Dr Turner’s practice does not endorse, partner with, or recommend any specific loan providers or “Buy Now, Pay Later” services. We do not provide financial advice or facilitate applications for finance as per guidelines set out by AHPRA and Medical Board of Australia.
If you choose to explore financing, it is entirely your responsibility to research and manage the process independently. We encourage careful consideration and, where necessary, consultation with a qualified financial advisor.
Whether you’re considering a formal medical loan or a flexible repayment plan, here are key factors to keep in mind:
Payment Plans
For those who prefer not to pay the full cost of surgery upfront, payment plans may offer a manageable solution. These arrangements typically work as follows:
- Initial deposit: A percentage of the total fee is paid upfront.
- Regular repayments: The balance is paid off in installments, usually monthly.
- Interest: Some plans are interest-free for a limited time, while others may charge interest.
Before committing to a payment plan:
- Interest rates: Understand whether interest applies and how it affects the total cost.
- Terms and conditions: Read the fine print. Know what happens if a payment is missed or if you wish to repay early.
- Credit checks: Some providers may assess your credit history—be prepared for this step.
- Flexibility: Ask if the plan can be adjusted if your financial situation changes.
- Overall cost: Compare the total cost of the procedure with and without a payment plan to assess its value.
Financing Considerations
If you choose to pursue external finance options (e.g. personal loans, medical loans, or BNPL services), consider:
- Affordability: Review your income, expenses, and any existing debts to ensure repayment won’t cause financial strain.
- Borrowing costs: Include interest rates, setup fees, account fees, and late penalties in your calculations.
- Loan comparison: Compare multiple lenders and loan products independently—don’t rely on a single source.
- Eligibility criteria: Be aware of minimum credit score or income requirements, and whether past defaults may impact approval.
- Contract terms: Understand all clauses in the loan agreement, including fees for early repayment or variable interest rates.
- Risks: Missed or late payments can impact your credit score. High-interest options can quickly accumulate debt.
- Alternatives: Consider delaying surgery to save, or use the clinic’s internal pre-payment plan to avoid taking on debt.
- BNPL caution: These services may appear flexible, but failure to meet repayment deadlines can lead to additional fees and negative credit impact.
Seek Financial Advice
If you’re unsure whether a financing option or payment plan suits your financial situation, we strongly recommend consulting a qualified financial advisor. They can help you make a well-informed decision aligned with your personal goals and budget.
Disclaimer
Dr Turner’s practice is not a credit provider. We do not receive any commissions from lenders or finance platforms. All financial decisions are the sole responsibility of the patient. We do not provide financial advice. Please consider your individual circumstances carefully before pursuing any external funding option.
