Financing Cosmetic Plastic Surgery
Though plastic surgery fees can be hefty in relation to other expenditures of daily existence, when compared to the lifelong changes they provide, they are reasonable; some surgeons will, of course, be off the charts, but average costs for procedures are readily available on multiple websites.
How to pay for cosmetic surgery
Personal credit cards
Surgery can be paid for by using your own credit card. You can then get your rewards and miles for a trip afterwards! Of course, the interest rate of credit cards is sometimes a little high, and placing any amount on the card will limit your credit usage options until you have paid it off.
Surgery-financing credit cards
There are a number of companies (such as Carecredit.com) and United medical credit, that provide specific cosmetic surgery financing or health care financing programs.
I provide these options for my patients, but if they finance with such companies, I cannot extend them any other fee reductions, as the financing company is already getting your reduction!
Lay away plans
Personal checks or cashier’s checks can be used with appropriate lead-up times for the checks to clear by those patients who have saved on their own or have been lucky!
No matter what type of financing you use, make sure you have a small reserve set aside for rare unforeseen circumstances, such as complications that may require more expenditure on your part.
Also, any plastic surgeon will give you an estimate of the time it will take to complete a procedure. Sometimes the cosmetic surgery procedure takes more time and you may be responsible for more anesthesia and surgery center fees than you were originally quoted when discussing your cosmetic surgery financing options.