Beauty Doc Blog

September 12.08

Once you make the major decision to change your appearance with plastic surgery, the next natural concern is how you will pay for the procedure.  There are several creative options to pay for your plastic surgery once you decide to go for it.

Certain plastic surgery procedures for birth defects, accidents and physical traumas may be covered under your health insurance policy.  You should discuss the possibility of having plastic surgery covered by your health insurance when you consult with the surgeon’s office.  They have billing and insurance staff members who can help you understand the scope of your insurance coverage when it comes to plastic surgery and let you know if procedures are covered.

Plastic surgery procedures can also be financed.  There are specialty companies offering unique financing options to those who want plastic surgery.  These financing companies understand the fact most plastic surgery procedures are not covered by regular health insurance.  Each plastic surgeon’s office works with various credit agencies to offer financing options for their patients.  If a patient is interested in financing options, they should discuss them during their consultation.  Two leading companies offering payment solutions for plastic surgery are Care Credit and Cosmetic Fee Plan by Capital One.

It is easy to apply for financing for plastic surgery.  Usually you can apply online and get a decision within just a few hours.  Some companies may also take financing application over the telephone.  Within a less than a day, you will know whether you were approved for financing and the amount of money you were approved for so you can schedule plastic surgery right away.

Even if you get turned down for financing because of poor credit or no credit, there is another option.  You can ask a family member or friend co-sign for you so you qualify for financing for your plastic surgery procedure.  By having a co-signer, the lender has additional reassurance the debt will be repaid and it is more likely you will obtain financing.

Personal loans and credit cards are other ways to pay for plastic surgery.  You can apply for a personal loan through your regular bank and use the fund to pay for plastic surgery.  A low interest credit card is another viable way to cover this expense.

If credit is not an option, consider borrowing the money from a family member or friend who understands your desire to have plastic surgery.  Often these people are more willing to assist you than you might realize.  Asking to borrow the money could mean having the funds you need for plastic surgery tomorrow.

With so many ways to pay for plastic surgery, there is no reason to put off looking better and feeling better about yourself.