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How to Pay For Your Plastic Surgery

Jul 9, 2008
When first looking at cosmetic surgery procedures many people are initially shocked by the high cost of the operation. A typical plastic surgeon will change anywhere from a few thousand dollars to tens of thousands of dollars for a single procedure, depending upon the scope and complexity of the operation. Included in those high fees are not only the plastic surgeon's costs, but also the costs of the anesthesiologist, the hospital staff and operating room facilities and accommodations for recovery.

Unfortunately most elective cosmetic surgeries are not covered by any sort of medical insurance, leaving most patients to fend for themselves when it comes to paying the high cost of looking good.

Here are several different ways you can raise the money needed for cosmetic surgery:

Save it Up: Yes, you can save up the money, but it could take a long time, depending upon the cost and the amount of money you are able to put away. By the time you save up enough for the procedure you want the cost may have risen!

Unsecured Bank Loan: You could outright borrow the money from a bank without any sort of collateral such as a home or car. Most banks will require you to have a steady job and a fairly good credit history for them to even consider a loan like this.

Home Equity Loan: If you own your home and it is worth more than you owe the bank, then you could borrow some money against your home to pay for your plastic surgery. Most home equity loans don't have restrictions on how the loaned money is used and the money you pay in interest may even be tax deductible.

Credit Card: Yes, some people put their entire plastic surgery bill on their credit card and pay it off over time. Generally the interest rates will be high, but you could get special incentive points and bonuses from the credit card company for spending that much money at once.

Plastic Surgery Financing: There are companies that actually specialize in giving out loans that are intended to be used for plastic and cosmetic surgeries. These loans are generally lower interest rates than many other loans and many plastic surgeons prefer using them when possible. Some plastic surgeons now work with financing companies or even offer their own financing services.

The idea of taking out a loan for something like plastic surgery tends to scare some people, but you have to consider plastic surgery as an investment in your health, both physical and mental as well as an investment in your career, relationships and quality of life. It is a high cost to pay, but the rewards of a successful cosmetic surgery often outweight the costs.
About the Author
The New Jersey Plastic Surgeon Site is dedicated to helping people find, choose and work with the best New Jersey plastic surgeon for them.
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