Plastic Surgery Financing

Many people have considered plastic surgery. Maybe you don’t like your nose, or is it your lips, maybe its your breasts. Whatever the reason may be lots of people are doing it. The problem is that not enough people are doing enough research into the financial repercussions if not done right. If it is not done for health reasons, plastic surgery costs lots of money. So this is a “guide” to help build a plan on how to finance your plastic surgery and no this is not just a guide for women since male plastic surgery is on the rise.

If your looking for your insurance company to pay for your surgery-that may be a possibility. Insurance companies follow the guidelines set forth by the American Medical Association and the American Society of Plastic Surgeons.

They state that:

- Reconstructive surgery refers to surgery performed on abnormal structures caused by congenital defects, developmental abnormalities, trauma, infection, tumors, or disease. This can include surgery to improve function or to give a normal appearance.

- Cosmetic surgery is the reshaping of normal structures on the body to improve the self-esteem or appearance of a patient.

Plastic surgery prices will range greatly depending on what you are looking to get done. Not only do you pay for the procedure and whatever necessary items it may require, but you also pay for the OR time, surgeon charge and anesthesia cost. The chart to the right lists different types of surgeries and the surgeon fee associated with it. As you can see you can range anywhere from about $1,800 to $7,300.

Now before you determine if your insurance company will cover your plastic surgery you have to see in which of the above categories it may lie in. If it is a reconstructive surgery then chances are very good that your insurance company will cover it, but if it is only for cosmetic purposes then you probably won’t be covered. Here is a list of surgeries that they might consider covering:
- Ear Surgery: If the reason it is done is to correct a deformity at birth or an injury of some kind
- Eyelid surgery: If the reason is to fix eyelids that can be giving you some vision problems or if the eyelids are somehow abnormal.
- Abdominal Surgery: If you are doing this to fix health problems like back pain, rashes, hernia’s or the ability to walk
- Breast Surgery: If you are reducing your breasts due to back pain, congenital absence (only born with one breast) or to reduce male breasts
- Facial Surgery: If the normal balance of your face is not right due to paralysis or deformities
- Nose Plastic Surgery: If to fix problems that may lead to breathing difficulties or if it was a deformity from birth
- Hand Surgery: If you have carpel tunnel syndrome or a deformity of some kind

Now financing options are available but they may be somewhat difficult to get depending on your credit score. Loans of this nature are considered unsecured personal loans. This means since they have nothing that they can reposes from you. Basically want to know that if they give you the money that you will be able to pay them back, cause if you don’t then there is nothing they can take from you to make up for the loan. Interest rates usually range from about 13% to 28% depending on your credit score.

The most important thing that you should do is to shop around and find the best doctor for the procedure you want. Make sure you ask all the questions that you may have because at the end of the day this is your life. DO NOT worry about asking a dumb question. Make sure that the doctor that you have is board certified and the site where they perform the surgery is a accredited surgical facility. You should never value the cost over your health. Please don't put good plastic surgery on the back burner to cheap plastic surgery. I hope that helps you in deciding what you want to do next. Good luck