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Breast Lift Installment Payment Plan?

What happens if you can't fully pay for the Breast lift. Can you make a plan to pay the bill bit by bit till you complete it?

Doctor Answers (11)

Financing Plastic Surgery

+2

Medicine has changed over the years, as has paying for medical treatment. Many plastic surgeons, cosmetic dentists, medi-spas and clinics do offer patients some types of financing options. It's no longer a simple insurance and/or cash payment world. Credit cards and long-term financing are often available for patients considering cosmetic surgery and other elective and or cosmetic treatments.

We started offering CareCredit a few years ago, and just recently added MyMedicalLoan.com to our financing package. Some of my family members have used CareCredit so I have some experience on both sides of the credit situation. It literally took just 5 - 10 minutes to apply online and have financing available with CareCredit. They offer an incredibly simple financing alternative on both sides of the equation - for both the practice and the patient.

As some have mentioned, credit has tightened up significantly in recent months, and fewer patients are qualifying for any type of financing. That makes it difficult for patients to get the treatment they want and for doctors to sustain a practice in some cases. History has shown that eventually this will change, and change again, so all we can do is to wait until that does happen.

Some offices may allow you to make payments ahead of your procedure, but I don't know any who will allow the same after the fact. We've had payments approach us with the pre-payment option, but they have eventually chosen to go with some other payment option instead.

This is a time to remind everyone of the "buyer beware" adage. DO check into the details of any credit plan offered to you. Check to make sure that there is no pre-payment penalty in the event that you're able to pay off the loan ahead of the original date. Make sure that the interest rate is reasonable and as much as possible is a fixed rate. This isn't unique to plastic surgery or medicine in general. In these times, it's up to us as consumers to know what we're agreeing to and obligating ourselves to over the life of the loan. Be careful in selecting your caregiver and your payment plan!


Dallas Plastic Surgeon
5.0 out of 5 stars 18 reviews

Payment plans

+2

Most plastic surgeons have arrangements with financial companies for patient payment plans. They work similar to a credit card which you can use to pay for your surgery and then pay off over anytime between 3 to 24 months. With the financial system the way it currently is here, the companies are a bit more careful in who they approve for the credit. However, most patient are able to get financing. It is important to remember, however, that if you cannot afford the surgery, then it may be better to wait until you are more financially stable. Good luck with your surgery.

David Shafer, MD
New York Plastic Surgeon
5.0 out of 5 stars 57 reviews

Financing options for breast surgery.

+1
There are quite a few options - either a financing company or a layaway plan or the ones we offer at our office.

W. Tracy Hankins, MD
Las Vegas Plastic Surgeon
5.0 out of 5 stars 43 reviews

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Breast Lift Installment Payment Plan?

+1

In our office, several payment plans are available for cosmetic surgery including a layaway plan and several commercial loan plans, but in any case, all payments must be completed BEFORE the surgery is undertaken.

Ronald V. DeMars, MD
Portland Plastic Surgeon
5.0 out of 5 stars 13 reviews

Financing

+1
Financing options vary from practice to practice.  Some practices will finance in house (although you should be very wary of this option) and most practices work with external financing companies such as CareCredit. We work with four external financing companies.

Breast Lift like other cosmetic surgery varies considerably across the country and even in the same area. South Florida tends to have lower fees then more expensive areas such as New York or Los Angeles. We charge $4000 + MD Anesthesia related costs for breast lift with saline implants. Gel Implants tend to be about $1000 to $1500 more. Since you can get quality work at lower costs, patients will travel from throughout the state, the country, and internationally to have surgery in South Florida.

To ensure that you are receiving quality work at the most cost effective prices, consult with board certified plastic surgeons that own their own nationally accredited facilities. The quality must be maintained at the highest level to maintain accreditation. The surgeons also have incentive to hire and train quality staff (to ensure that surgery is efficient and enjoyable), to ensure comfortable and private facilities (to encourage referral), and to eliminate waste (to ensure that these facilities can compete effectively).

Kris M. Reddy, MD, FACS
West Palm Beach Plastic Surgeon
4.5 out of 5 stars 18 reviews

Plastic Surgery and Financing

+1

Thank you for your question.

Most plastic surgery offices have financing companies you can apply with in regards to getting help with the cost of surgery.  I would recommend that you proceed with surgery when you are financially able to  - and not let this "stress" the system in regards to finances.

Do not go with the cheapest surgeon for your surgery as complications may be more costly.  Visit with well experienced plastic surgeons and decide if this is a good time for you to proceed with surgery.

I hope this helps.

Tom J. Pousti, MD, FACS
San Diego Plastic Surgeon
5.0 out of 5 stars 752 reviews

Financing for breast lift surgery

+1

 

Breast lift surgery is one of the most popular procedures and our practice. Some of our patients choose to finance the surgery. Our staff is very familiar with working with the patients and different financing companies to help patients reach their aesthetic goals. Our staff is able to find a financing plan that can fit every budget.

Pat Pazmino, MD
Miami Plastic Surgeon
4.5 out of 5 stars 66 reviews

Breast Lift financing in Atlanta

+1

Most surgeons offices will offer outside financing. Surgery loan companies are structured to help patients with less than perfect credit. If your loan is denied you may want to try and get a co-signer (family or friend) to help you with your application process. Loan companies may also be structured to reward patients with excellent credit. One of our loan companies is currently offering 12 months interest free. By filling out their application you can find out within 72 hours if you are approved for this offer.

Vincent N. Zubowicz, MD
Atlanta Plastic Surgeon
4.5 out of 5 stars 8 reviews

Various companies also offer financing

+1

Eva;

There are also several companies who do financing specifically for patients having cosmetic surgical procedures. One of the best known is CareCredit which is managed through GE Capital. Unfortunately, as with all loans today, credit has gotten tougher to qualify for and some patients haven't been able to obtain financing.

Another avenue to consider is your local bank. If you've had a relationship with the bank for a while they may be able to offer you a short term (5 year or less) loan to cover your surgery and associated costs -- often at better loan rates than CareCredit and some of the national financing companies.

As with any cosmetic procedure be aware that the cost of revisions, complications, or ancillary procedures may be an additional cost. You should check your surgeon to review their policy on such issues.

Robert Frank, MD
Munster Plastic Surgeon
5.0 out of 5 stars 12 reviews

This depends on the plastic surgeon

+1

Some offices will allow you to make "installment" payments towards a surgery after you have been seen. You could do just as well with a savings account and possibly even make a dollar of two in interest. I have had a few patients do this because they were afraid they would "spend the money on something else". Just be sure you have an aggreement as to what happens if you have to change your mind for any reason. Best of luck to you.

Dr Edwards

Michael C. Edwards, MD, FACS
Las Vegas Plastic Surgeon
5.0 out of 5 stars 11 reviews

These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.