How To Pay for Plastic Surgery

Preparing for plastic surgery

If you decide you need a little nip and tuck, be prepared to pay for the expense yourself. Most plastic surgery procedures are not covered by medical insurance, since it is deemed a cosmetic procedure. It may be covered if it is a physical condition that is considered a medical threat to your person, such as breast reduction procedures to alleviate excessive back-pain.

Plastic surgery is expensive but there are ways to pay for it if you truly have your heart set out on it. Here’s how to pay for plastic surgery.

1.    Get a basic idea how much the procedure will cost. Consult a licensed and board certified plastic surgeon so you know what work you need or want done and how much it will cost.

2.    Save for it. Set aside a monthly fund for your cosmetic procedure. If this is a worthwhile endeavor for you, you will find ways to scrimp or generate more income just to get what you want.

3.    Pay with a credit card. Dedicate a credit card to cover the cost of the procedure and don’t use the card for any other expense. Get a card with the lowest interest rate you can find and pay as much of the balance as you can. Check with your doctor is he accepts credit cards.

4.    Take out a personal loan. The amount you qualify for and the interest rate you get will depend on your credit standing. If you don’t qualify for a loan from the bank or your credit union because of a bad credit score, perhaps you should reconsider getting the surgery since it is not an immediate and necessary expense.

5.    Consider plastic surgery financing. Due to the rising popularity of plastic surgery, there are now companies that offer loans specific for cosmetic procedures. Check you doctor and see which companies he’s worked with. The entire cost of your procedure may not be loaned and the interest rate may be a little high, ranging between 5% to 28%. You may check online for plastic surgery financing options.

To qualify for financing, you must be of legal age, a US citizen or lawful permanent resident and have at least two years of established credit. Generally, you must have a low income to debt ratio and have not more than $15,000 in credit card debt.

6.    Liquidate assets. Sell your stuff on eBay or have a garage sale. Every few hundred dollars adds up. If you have jewelry or designer bags you don’t use, sell it for cash.

7.    Solicit for it. Put up an ad in Craigslist and see if anyone offers to contribute to your fund. Ask for friends to add to your fund instead of presents. Do fund raising activities such as bake sales.

You may do a combination of the above methods to be able to come up with the money sooner and get your procedure done right away. Make sure you go to a competent surgeon and you are completely sure about what you want done. Some people get plastic surgery to boost their self confidence or to make them feel more competitive in their professional field. Whatever your reason, just remember that plastic surgery will only remedy your physical appearance, but everything behind it is work that is all your own.


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