Dear Dr. Winder:
Q.I was in to see you several months ago, and want to proceed with the surgery we discussed as soon as possible! However, I can't seem to save the money; can I make payments to you?

A. Yes! We can now offer our patients, old and new, several different options. As always, we accept MasterCharge and Visa; we are also going to offer patients who pay in cash a discount. We also have a no-obligation lay-away program.

Also affordable monthly payments are now available through two sources; 1st National Bank of Cortez and Elite Physician Services of Chattanooga, Tennessee. Since Elite has chosen our practice as one of the best in the area, they are able to provide our patients with below market interest rates (1.5% over prime - currently 9.25%), loan terms from one to five years, no down payment, no pre-payment penalties and pre-approvals.

1st National Bank of Cortez is currently offering from 9% secured to 10% unsecured and up for loan rates. They, too, have loan terms from one to five years, no down-payment, no pre-payment penalties and pre-approvals!

To look into either program:

1. Obtain an estimated or total cost from our office for the surgery you're considering;
2. Telephone Elite Physician Services @ 1-877-ELITE-DR; or ask for either Cindy or Darlene at 1st National Bank of Cortez 970-565-3781;
3. Elite will take your application over the phone; 1st National Bank of Cortez will send you an application. Either will give you a quick answer. Even if you've been turned down in the past, try both!