Plastic Surgery Doesn’t Have to Put You in Debt
The New York Daily News just released a study done by RealSelf.com about current plastic surgery trends. The study found that an overwhelming majority of the population wishes to change a part of their body. Surprisingly, though, less than half of the population is turning to surgery to fix the issue. Numerous factors contribute to why someone doesn’t choose plastic surgery, but NYDN found that the No. 1 reason was fear of debt after paying for the procedure.
Plastic surgery can be expensive, but it’s no longer a strict luxury that’s only affordable to the wealthy. Everyone from school teachers to stock brokers can and do get plastic surgery. If they can afford it, why can’t you?
Financing Options for Plastic Surgery
Figuring out how to pay for your procedure is a lot like figuring out how to pay for a car or a house. You start by assessing your financial situation, consider your financing options, and set up a payment plan. You might use both savings and a loan to pay for your car. You might make payments through a dealership or your bank. You might even be able to use insurance to help you with your purchase in certain circumstances. A lot of the resources available to you for buying a car or house are also available for paying for plastic surgery.
First off, consider your savings. Do you have enough that you could make a sizable down payment on your procedure? Could you start budgeting for a down payment or for the entire procedure? The cost of procedures varies greatly depending on what kind of work you’re looking for and how much you actually need, so it is entirely possible that you could afford to pay for your procedure with your savings alone.
You can also look into getting a loan for your procedure. Some doctors provide it through their practice, but you can also get one through your bank or another party. For patients who want to pay for their procedure in a specific amount of time, this is a common choice.
Another option is to get a medical credit card, which a lot of patients choose when they can’t get a loan or prefer using credit cards. These kinds of cards are specific to medical expenses, so they can’t be used to go on major spending sprees, which will help you keep your payments on track.
Some patients are able to use insurance to cover some or all of their procedure if it will help correct a problem that affects the patient’s health. For example, if a patient has trouble seeing because they have droopy eyes, an eye lift can correct the problem. Another example is a patient who has breathing problems that can be fixed with a functional rhinoplasty. A lot of plastic surgery procedures are cosmetic in nature, but if yours is meant to help you with an underlying health issue, you should look into having your health insurance offset the cost.
If none of these seem like a viable option, most doctors offer payment plans through their practices or have different payment options available to you. They’ll be able to discuss these with you during your patient consultations.
As you can see, there are several ways for you to finance your procedure without throwing you into mountains of debt. Every day, more and more people are choosing to look and feel their best with plastic surgery without breaking the bank. If they can do it, why can’t you? Fear of being in debt or being unable to afford surgery shouldn’t keep you from even looking into your options.
Spalding Plastic Surgery
To schedule an initial patient consultation at Spalding Plastic Surgery or learn more about our different financing options, call (310) 275-2467 or send us an email through our Contact page.