How To Pay for Cosmetic Surgery

So many people today recur to plastic surgery to change their appearance, in both obvious and subtle ways. From breast augmentation to a nose job, from ear pinning to a facelift, there are a lot of options out there.

When Insurance Won’t Pick up the Bill

Some people get surgery hoping to change the appearance of something that has made them self-conscious throughout their lives. Others are ready for a change. And yet others hope to reverse the effects of aging. However, unless a surgery is considered medically necessary (as would be the case for a cleft palate, a jew reconstruction, or complex wounds), then it’s something that you must pay for yourself.

This can be daunting, however. Any surgery or procedure can carry a hefty price tag. But, there are options out there to finance cosmetic surgery.

Credit Cards, Loans, and More

For example, there are credit cards specifically for medical costs, there are personal loans and even medical loans.

Getting a personal loan could be a great option to cover some or all of the cost of the procedure. Personal loans can be used for whatever you like, and many times don’t require collateral to secure the loan.

Medical credit cards or even regular credit cards can help you reach your goal of surgery, but it’s important to watch the interest rates on these so you don’t end up becoming even more in debt than you were planning to be.

You could even consider a home equity loan because most of the time you can write off any interest accrued on your taxes.

Some offices and doctors even offer their own in-house financing programs that can help you break the cost of the surgery up into payments. Even if the doctor you choose doesn’t offer this option, most of the time they still have information available on companies that specialize in cosmetic surgery loans and don’t ask for any money upfront.