Plastic surgery, being primarily elective, typically isn’t covered by health insurance unless a medical necessity exists. This leaves patients responsible for covering the costs themselves.
Health insurance policies usually stipulate coverage only for medically necessary surgeries, requiring a doctor’s note confirming the procedure’s pivotal role in overall health. Aesthetic improvements generally don’t qualify.
Plastic surgery costs vary significantly. While simple Botox injections might cost a few hundred dollars, more complex procedures can easily reach thousands. Careful financial planning is crucial.
One straightforward approach is to save money and pay in cash. Surgeons often appreciate cash payments. Alternatively, using a credit card with a sufficient credit limit is another option.
Several companies specialize in financing plastic surgery through unsecured loans. While these loans can cover the entire procedure cost, scrutinize the fine print. Interest rates can resemble those of credit cards, potentially increasing the overall expense.
Some physicians accept these financing options, while others don’t due to imposed payment limits. These companies often negotiate lower fees for the doctor, similar to insurance companies, which some surgeons find unacceptable. Confirming acceptance of such financing with the surgeon is essential before applying.
For many, a savings account remains the most practical way to finance plastic surgery. Given prevalent saving challenges, exploring alternative options might be necessary.