• 09 February 2016
Financing Your Surgery

Money. Money. Money. Whether we like to believe it or not, money is one of the most important factors we consider when making decisions. Financial health is a huge concern for people. Sometimes, we can easily justify spending money and other times it takes careful planning, thought and consideration.

Plastic surgery can be costly and require financial, emotional and physical effort. For this reason, we have put together a list of ways one can pay for plastic surgery. This way, you won't have to sacrifice financial health for your mental and physical health. 

Medical Insurance

Depending on what surgery you would like, there is a chance that your personal medical insurance will pay for the surgery. Frequently, procedures needed for functional purpose or after an accident of some sort are covered by medical insurance. Examples of this might be a situation where a burn required plastic surgery for corrective purposes, or a car accident that caused injuries that could be improved with plastic surgical intervention.

Other Insurance

There are other insurance types that can be used to cover plastic surgeries in specific circumstances. In most cases, this is related to an accident of some sort.

In a recent example, a dog bite victim required plastic surgery to repair a torn upper lip. In this case, the dog owner's home owner's insurance covered the medical expenses of the bite victim. 

Personal Loan

Personal loans are another way to pay bills and relieve immediate financial burden. In this case, the interest rate must be taken into consideration. However, it does provide a way to pay for your plastic surgery over an extended period of time rather than in one lump sum. For those where cash flow is a barrier, but who have a good steady source of income, this may be an excellent option. There are many companies out there that provide these type of loans. Your bank is a great starting point. Online lenders can have higher interest rates and late payment penalties. Be sure to read through the fine print and make sure you have a solid plan in place to make the payments on the loan.

Out-of-pocket

When insurance and personal loans are not options for you, put yourself on a financial diet. Start saving a bit each month. Create a budget and a plan. It may take some time, but you will at least have your goal in sight.

Payment Plan

Many plastic surgeons are able to provide clients with payment plans. In this situation, the patient would be required to pay for the surgery over a pre-determined amount of time or a set number of payments. For example, a clinic may allow the fee for a surgery to be divided in six or more equal payments. A payment plan can relieve a lot of stress on the patient, and provide him or her with a structured and organized way to pay for their procedure.

What Is the Right Choice for You?

Without a financial plan, paying for a plastic surgery can lead to stress and even distress.  Know your options and discuss all possibilities with your surgeon and his or her staff. This is an important step to planning for your surgery. There is no reason for your emotional and physical health to come at the expense of your financial health.

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