How to Finance Your Plastic Surgery Procedure

December 24, 2014


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shutterstock_162296306Plastic surgery can be an expensive endeavor that is rarely covered by insurance. How does one pay the bills to make over their appearance? It turns out that there are a number of options for financing a plastic surgical procedure that allow you to customize your payment options to your specific needs and budget.

Savings

For some, the best option for paying for plastic surgery is good, old-fashioned savings. Talk to your surgeon about how much the procedure you want might cost so you have a specific savings goal in mind. Put aside a set amount each month into a special account until you have enough to fit the bill for your surgery. While this option may not cost you anything in financing, the drawback may be the amount of time it will take to save a sufficient amount for your procedure.

Credit

A loan from your bank or a credit card is another option for financing plastic surgery. Bank loans for this purpose are considered “unsecured,” meaning there is no collateral to put up against the amount borrowed. This usually means a more rigorous application process and a higher interest rate. Credit cards can also be used to pay for plastic surgery, but look for cards that have optimal terms, such as no interest for a period of time, cash back on charges or a lower interest rate than other credit cards.

Medical Credit

Today, there are financing companies that specialize in credit for plastic surgery. One of the most reputable is CareCredit, a company that offers financing options for aesthetic procedures, plastic surgery and dermatological treatments. If you are unsure of which medical credit company is the right choice, talk to your plastic surgeon’s office about their recommendations. At PCI Plastic Surgery Center, we recommend CareCredit and even provide a link to their application on our website.

Insurance

While insurance rarely covers plastic surgery procedures, there are some times when coverage might be available. Reconstructive surgery, for example, is an area often covered by insurance. You may also be eligible for coverage if you are suffering physical symptoms like back pain from excessively large breasts or impaired vision from drooping eyelids. Talk to your plastic surgeon about possible insurance coverage and check with your insurance carrier as well before scheduling your procedure.

Plastic surgery performed by a qualified surgeon can be expensive, but positive results are worth every penny. To learn more about your choices in financing your plastic surgery, contact PCI Plastic Surgery at 319-382-8230.

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