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Know Your Options For Financing Cosmetic Surgery

Aug 18, 2007
So you were thinking, undergoing a cosmetic surgery will make you break the bank and therefore you just scrapped the idea of getting an improved look and a new life?

Well, before dropping the idea altogether, just consider this: $12.2 billion ----that is precisely the figure that the Americans have spent last year on improving their appearance. Nearly 12 million cosmetic procedures have been performed last year in several parts of the USA. So how do you think they managed to cope with the high expenses of a cosmetic surgery? After all not all of them can be millionaires. There must be some way to manage the financial side of the procedures and when you learn about them, you will not give it a second thought whether or not to opt for a cosmetic surgery.

Making a budget prior to taking up any project helps a lot. It helps you to learn about several hidden costs, some of them can be well avoided with prior information. So before jumping into decision, learn about all the expenses you may expect from the surgery:
First of all you have to consider the estimated fees of your surgeon and they charge different fees for different cosmetic procedures. As for example, where a Botox injection may cost you somewhere in between $350 to $400, a rhinoplasty may set you back by good $ 3, 500 to $ 4000.

In addition to that you have to pay the fees for anesthesia, operating room facilities or other related expenses and that may add to 50% to 100% more than the surgeon fees.

In certain cases you may also calculate the post operative medication costs and other related costs. And then only you get the right picture of the total cost of the surgery.

Now you have to plan well to handle this expenditure and we assume that you don't want to be put up with high credit card bills or can not afford an up-front large cash payment. An average man in this situation has to find himself a proper arrangement of financing. Let's see what options can he avail?

Insurance: We all know that cosmetic surgery is largely a personal lifestyle choice and is generally not covered by insurance. But in some cases you can make a claim. As for example some part of you rhynoplasty expenses will be paid if it is done for correcting breathing troubles. Same way some expenses of eyelid surgery will be covered, if it has been taken up for correcting some vision problems. In any case, most of the insurance companies will cover the hospitalization costs including the anesthesia bills.

Financing: Search the internet and you will find a number of financial institutions offering plastic surgery financing programs on easy term. You surgeon can also be a good source for giving you information about some lucrative financing schemes. If you have good credit ratings, you will be entitled to very low interest rate.

Now the cost of cosmetic surgery has many aspects and if you can deal with these aspects separately you will be able to save a lot of bucks in the long run. As for example, you can cut back some expenses by being flexible about time and venue of the operation. Because of the varying amount of taxes, and prices of implants etc, surgery cost varies in different parts of the country. You can save by taking up the operation in a city where it costs less. Then if you have to undergo several procedures, you can request your doctor to get them done on same day and that will save you lot of money and in such cases the surgeons also offer significant discounts.

Cosmetic surgery is expensive; but it is a good investment. A good planning and research can help you save significantly on the total cost of the procedure without making you tied up to a debt burden for fulfilling your dreams.
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