The first question is have you met all the requirements for surgery such as HRT and RLE? If you haven't, you may still be a year or more off. That said, I have never heard of a surgeon offering credit terms. The reason is if you don't make the payments after surgery there is little chance of them getting their money. It's better now because when I had my surgery they wouldn't accept insurance. You had to pay cash on the barrel head and they would file the insurance after surgery. If the insurance company paid, the doctor would refund the money to you.
