Plastic Surgery – Payment Plans

In the overwhelming majority of cases, the sad truth is that plastic surgery is something not covered by health insurance. For those determined to push through with the idea, there are ways to go about financing the plastic surgery without the aid of petty crime or black jack tables. In this article, we will outline a few tips to help you pay for your procedure.

Step 1 – Even though the probability is low, the first stop should always be your health insurance agent. Certain procedures such as breast reduction and physical deformity repair may actually be covered under your current plan. You’ll never know unless you ask.

Step 2 – Discuss your options with the surgeon performing the procedure regarding the possibility of making the procedure coverable by your insurance. Sometimes it just takes some proper wording for the insurance company to understand the benefits that the procedure would provide.

Step 3 – Utilize that low interest credit card that’s been gathering dust in your closet. Find out information pertaining to your limits and have at it. Not only will this help you get the procedure out of the way, but it can also work with you to build up your credit score.

Step 4 – A penny saved is a penny earned toward your procedure. Sit yourself down and re-evaluate your current budget. Chances are that there are quite a few unnecessary bills in your monthly expense log. If you smoke, now’s the time to quit. Start eating at home and renting movies instead of going out. If you’re truly invested into the idea of your upcoming procedure, this should cause little harm. Once you have the full amount set aside, you can deposit it, worry free, with no interest and no stress. Additionally, you’ll probably be able to cut out a few bad habits throughout the process.

Step 5 – Head down your local bank or credit union and apply for a personal loan. If you own a vehicle, you can even take out a loan against it, and pay it off over time. To boot, most personal loans come with a much lower interest rate than your typical credit card, allowing you to still build up your credit without compromising a larger portion of your cash.

Step 6 – You can even combine ideas 5 & 6, saving half of the money and paying for the rest with a loan or credit card. It’ll be like a little reward for being such a good little saver!

Step 7 – Find out about any available plastic surgery financing through your physician’s practice. Most surgeon’s offer financing with fairly decent interest rates. Find out what you might qualify for if approved.


Step 8 – Talk to your family and ask them to send you cash or birthdays and holidays in order to provide you with extra savings to put towards your procedure. Those holiday checks add up fast, and you’ll have a nice stock pile before you know it.

Hopefully, this article has shed light on a few ideas you hadn’t thought of prior. Remember that nothing worth having ever comes easy. Taking the time to earn the things you want only equates to a more rewarding experience.