How to Finance Cosmetic Surgery

If you find out that your health insurance does not cover cosmetic surgery, you have two options: either pay for it out-of-pocket or find a way to finance the charges. More and more companies are now offering loan plans to cover cosmetic surgery, so researching your options before committing to any of them is your best chance to come out from the surgery in top shape, both physically and financially.

Difficulty: Moderately Easy

Instructions

Look Into Different Options

1. Use your credit card only as a last resort. A cosmetic surgery is usually an expensive procedure and it may end up costing you even more when you factor in the credit card percentages. If you have a new, non-interest card or if you get special benefits (such as cash-back) when using it, then it may be worth considering this option.

2. Ask your doctor if he participates in any kind of loan program. Many surgeons have agreements with loan companies or banks to help their patients pay for surgeries.

3. Research your options online but don't sign up for anything before reading the fine print. Credit repair companies may be a good option to finance the surgery, as can be loan firms that don't deal exclusively with plastic surgeons.

4. Take your time filling out your loan application and take it as seriously as you would a mortgage or car loan application. List all sources of income, not matter how small or secondary and don't leave out anything (such as property) that will reassure the company that you will be able to repay the loan.

5. Take advantage of union or work-related supplemental insurance plans. Sometimes, when you have an injury that is not elective, your insurance company may opt to still not cover it. Supplemental insurance may then cover your surgery for you.

Tips & Warnings

• Cosmetic surgery financing companies have been around for at least a decade, and have been more recently promoting their services. Many of them work exclusively with a cosmetic surgeon, which means they may be eager to accommodate. This can turn out to be a big advantage, especially if you have poor credit and may have trouble getting a loan somewhere else.
• When looking to finance a procedure with a cosmetic surgeon, take into consideration the possibility of complications. Make sure you have enough money to cover not only the procedure itself, but the chance of needing post-op care, additional interventions and emergency hospitalization.
• When applying for loans to finance a cosmetic surgeon, make a list of all the companies that fit your requirements and then apply to the top choices, one at a time. Remember that companies research your credit history with each application, and this can count against your credit score.

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