Patient Financing Joseph A. Russo, MD, PC offers patients the option to finance their procedure, through Capital One Health Care Finance. Patient financing was created for people who don't want to tie up their traditional credit sources with medical debt or those who simply can't afford to pay out-of-pocket healthcare charges atone time. It's no longer necessary to delay a surgical procedure that you really want, nor worry about the inability to pay for treatment. Health Ready allows you to make low monthly payments over an extended period of time.