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How To Finance a Cosmetic Procedure

Elective cosmetic procedures performed by plastic surgeons can be expensive. The cost of such procedures depends on the amount of work being done and the type of procedure. While some patients may have the ability to pay for the procedure out of pocket, more often than not those that are looking to have a cosmetic procedure done also would like to know how to finance the procedure. Here are a few options that are available to you.

Insurance Coverage

Before looking into financing options you should check with your medical insurance provider to see if the procedure would be covered under your policy. In some cases, the cosmetic procedure is performed for medical purposes. It may be considered reconstructive or necessary to preserve the quality of life or body function. For example, an eyelift procedure may be performed by a plastic surgeon to improve vision or a breast reduction procedure may be performed to alleviate back, neck, or shoulder pain. Depending on how the surgery is defined, your insurance company may cover the procedure or a portion of the operation. If the procedure is purely for cosmetic reasons, then your insurance company is unlikely to pay for the operation. However, it’s always worth checking your policy.

Financing Options

At Wellesley Cosmetic Surgery, we have identified three reputable financing options that are available to our patients. These institutions can make financing your procedure simple and it’s worth checking into all three of them to find out which one is best suited for you.

CareCredit is essentially a credit card for health, beauty, and wellness. This credit makes it easy for you to access funds without a delay. It’s different from a regular credit card and helps you pay for out of pocket expenses that your medical policy doesn’t cover. CareCredit offers both short term and long term financing, depending on your needs. You can apply easily online or by phone. Be sure to read all of the terms and conditions on their website.

Health Credit Services is on a mission to simplify the way that patients pay for their healthcare. They believe that more individuals should have access to quality of life medical procedures. They offer loans for financing. The annual percentage rate, or APR, of loans obtained through Health Credit Services will not change throughout the life of the loan. Check their Patient FAQs page on their website to learn more about their financing services.

Prosper is another reputable financing option for those that need help paying for their cosmetic procedures. Prosper offers low-interest rate loans with a single monthly payment. They offer fixed-term loans for either three or five years. They have no hidden fees or prepayment penalties. It’s simple to check your rate online and Prosper offers more than healthcare lending. They also offer financing for small businesses, special occasions, home improvement, babies and adoption, and more. Check their website to learn more about their financing options.

In addition to the options listed above, it’s also possible to finance your procedure through a personal credit card, a home equity loan, or your 401(k) savings. Be sure to thoroughly examine all of your options before determining the best financing option for you.

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