Should I Put My Surgery on My Credit Card?

by | May 8, 2015

Should I Put My Surgery on My Credit Card?

Now that you have done your research, consulted with your doctor and made solid plans to move forward with plastic surgery, the next step is deciding how to pay for it. While some people are able to simply pay for their procedures upfront, others will be looking for financing options to help spread out the cost.

Related: How to Pick a Good Plastic Surgeon

Will My Insurance Pay?

Plastic surgery is not typically something that insurance companies will cover. Only when a procedure helps to correct or improve a genetic deformity or traumatic injury can you expect that insurance might cover a portion of the bill.

Check with your insurance company to find out what they will cover. Be sure to ask if and how your premiums will be affected if you are able to use insurance to cover some or all of the cost of plastic surgery.

Financing Options

There are lenders that specialize in providing loans to people in need of financing for their cosmetic surgery. A loan is a good alternative for those who may not have cash on hand to pay for their surgery or who would rather keep their cash in savings. Keep in mind that qualifying for financing will be based on your credit score and overall credit history.

As you look into financing options, be sure to ask questions about the details of the loan. Knowing if co-signer options are available and if there are loan limits can help you in deciding if a loan is the right option for you. You should also ask about interest rates and how long the payments will run for.

Using a Credit Card

Many of those who have elected to have cosmetic surgery have paid with their credit cards. There are some advantages to using this method of payment. For one, credit cards are usually accepted by the offices of most plastic surgeons. The cost of a procedure can even be spread to more than one credit card if limits come into play.

Often credit card companies offer low to zero interest rates on purchases for the first several months. This makes using a credit card to pay for your plastic surgery a better option than a loan, which will definitely have interest tacked on.

When you work with Dr. Richard J. Brown for your cosmetic surgery, he and his staff will be sure to take the time to go over finance options with you. They will be able to give you an idea of the overall cost for the procedure you are looking at and help you to determine the best way to pay.

Discussing payment is something that is touched on in the initial consultation with Dr. Brown. To set your consultation up, give us a call at ​480-568-3804.