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Care Credit - Breast Implant Financing Options

i talked to a plastic surgeon about financing my breast augmentation surgery. She said that Care Credit charged her exhorbitant fees so she wouldn't take it. Since getting credit is really hard now days, are doctors more welcoming of Care Credit even if it costs them more? Will doctors make me pay more to use Care Credit?

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Care Credit financing

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26 Doctor Answers | Asked by anon

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Plastic Surgery Financing - Buyer Beware

I am strongly against plastic surgery financing programs, and I have never offered them in my practice. Most, if not all, plastic surgery financing plans are not only a bad idea but also a bad deal for many patients - in some ways that are easily apparent but in other ways that are not as obvious. The most obvious way in which these plans are unfavorable and therefore undesirable is their terms, which often are interest-free for as long as a year, but that revert to an interest rate... more

Michael Law, MD

17 reviews

Raleigh-Durham Plastic Surgeon

michaellawmd.com

Using Care Credit for financing plastic surgery

What all patients need to understand is that Care Credit offers two basic plans, one in which the patient is charged no interest and their debt is divided into different monthly payment intervals, and the other side of the plan where the patient does pay interest but can defer full payment for up to 5 years. The thing most patients DON'T understand is that in both versions, the plastic surgeon is also paying interest to Care Credit to help you to have surgery. Don't forget the big favor... more

Care Credit - Financing and Plastic Surgery

There a number of options for financing your plastic surgery or breast augmentation surgery. These include financing the surgery with your local bank or possible using your health savings account. In addition, there a a number of companies that offer financing for cosmetic surgery including Care Credit. To learn of other options, visit our Jacksonville plastic surgery financing page.

Financing Plastic Surgery

Hi there- There are, in fact, many ways to finance your plastic surgery, and the company you mention is just one of the more commonly known. All have varying plans and incentives for patient and surgeon, but make no mistake about it- they are in this business to make money, and they WILL get their money from somewhere... In most plans, the borrower (you) pay interest to borrow the money, but (as with credit cards) the surgeon pays a fee as well- this is the case with CareCredit. Depending on the more

Care Credit and other financing

Care Credit does take a percentage of what we charge, and this is particularly high with their no-interest plans. The other plans however are more reasonable. Many surgeons do participate with them, so the best way of finding someone in your area is to go to the Care Credit web site and check their listings for your region. Also, Allergan, one of the breast implant manufacturers, has offered a slight discount on their Natrelle implants in the past if you use Care Credit. You can go to... more

Care Credit - breast implant financing

I personally DO NOT RECOMMEND "CARE CREDIT". I use another credit company ( that I will not mention so I can not be accused of advertising for them). The reason I do not or have stopped using them are 2 fold: The majority of the applicants are already lower income or financially strapped individuals. So the only approval from Care Credit is an additional fee to me, the providing doctor. I'm not in practice to help pay for the patent's surgery. I know I can look at it as a discount... more

CareCredit is a great way to finance your plastic surgery

Hello - CareCredit does take a percentage of what we charge, but it really is that much. In fact, it is a good way to finance your plastic surgery procedure. Paying with financing is a good option, but make sure your credit score is good because credit card companies are making it harder and harder to get loans, especially for plastic surgery. Yet, if you can get it you will be able to pay off your procedure little by little instead of all at once. I accept CareCredit and my patients... more

Not all doctors participate with Care Credit

Care Credit charges doctors a percentage of the total amount financed. The interest-free financing options tend to charge a higher percentage, so many plastic surgeons choose not to participate with these. Others forego Care Credit altogether. Doctors cannot legally charge patients more to partcipate with Care Credit. Instead, they may choose to offer discounts to patients who pay with cash or check. Hope this helps. Best of luck.

Care Credit and Financing Plastic Surgery

When each one of us uses a credit card, the business accepting our credit card gives up 1.5 to 5% of the cost of the purchase to the credit card company. The reason why many businesses refuse to take American Express cards is because they lose much more money on these cards because their rates are much higher than MC/VISA. In this economy everyone is hurting except for large financial institutions which receive almost interest free loans from the Federal Reserve (=our tax funds) while... more

Care Credit-Breast Implant Financing Options

Care Credit is a great financing program and has helped dozens of my patients have surgery that would otherwise been unable to afford it if they had to pay the full cost up front. The interest rate is currently about 14.9%, not cheap, but fairly standard for consumer finance compared to credit cards. You have to have a reasonably high credit score to qualify, but if you do you can finance the procedure over 2-5 years with monthly payments.

Care credit fees

Care Credit has various plans and some are more advantageous to doctor and patient. There is an ASPS preferred plan. After the credit crunch in 2008, the banks became more reluctant to lend for unsecured loans. Care Credit can be good for patients who will pay back loans quickly so they can have surgery now and not have to wait for their tax refunds. I personally don't like sharing my income with the lender but Care Credit seems to operate with more integrity than other programs. They... more

Financing is an option

Alot of plastic surgeons nowadays do accept payment through care credit. You need to check with your plastic surgeon what options are available. There are payment plans with no interest and there are some with fairly high interest. In all cases, the plastic surgeon is charged a fee for financing you through care credit. The fee charged to the surgeon varies with the terms of the financing and the length of time you are financing for. It may be a good option with... more

Care credit and the fees you pay

Most doctors add carecredit fees to your bill. You do the math. Some stores do not accept American Express for the very same reason — They charge the vender 2 to 4 % of the purchase price while Visa and MC do not. If you need credit, go to a local credit union.

Care Credit

I have used care credit since 2006 and patients have loved the idea of having additional finaning options. There are many comanies out there but beware of hidden costs they don't tell you about in the beginning and your actual interest rates is higher than expected. With care credit you know upfront what your interest rate is and what you can expect to pay each month-I recommend it

Financing your Plastic Surgery

It is my personal belief that patients should not go into debt for cosmetic surgery as it's not worth the stress. Only recently did we begin offering a 6 month limited financing plan. As for financing, you can not charge more if a patients uses the above mentioned financing company. Best wishes!!!

Care Credit can be fair

I except Care Credit. I find they have plans which are suitable for different kinds of borrowers. Like all credit, it comes with a cost, but allows you to have what you need or desire today while paying for it over time.

Financing Breast Implants Montreal

In Montreal breast implant surgery financing can be obtained through Medicard or Credit Medical. These are two very reputable companies that specialise in the financing of cosmetic surgery. Unlike Care Credit they do not generally charge a fee to the doctor so almost all plastic surgeons, including myself, will work with them and will even help patients with the credit application process.

Financing breast implants can be reasonable.

Hi. In New York City, only a few of our patients use Care Credit for breast implants, but our experience has been positive. They have a number of different plans.

We both take a hit with Care Credit

As you're likely aware, Care Credit charges doctors a fee and charges the patients an annual percentage rate similar to a credit card. We both lose. That being said, in these times, we'd all prefer to operate than not operate so Care Credit may be the only way for patients to afford surgery.

CareCredit financing

Each surgeon will have their own philosophy on financing plastic surgery procedures. One thing is for sure, however, financing is a good option for many who need it to get the procedure that they have been waiting for. The offices do pay a higher rate than your typical credit card such as Visa or Mastercard. Some offices also give you discounts on their fees. So, every office will have different options available for their patients. Choose your surgeon first based on quality and the trust... more

Care credit to finance plastic surgery

Just about everyone has felt the pinch of our current economic situation. Plastic surgeons have been hit worse than a lot of other medical specialties because a large portion of our business is cosmetic. Elective plastic surgery is one of the first things many people do without when times are tough. For that reason, it has actually become even more difficult than usual for surgeons to accept Care Credit. It doesn’t mean we won’t accept it, but it is generally not the most... more

Financing plastic surgery

It is of course always better to not have to borrow but it is also a fact of life for many. For many years, we did not participate in Care Credit or any of the other plans, because as the surgeon you consulted said, the costs were too high and those have to be passed on the the patient somehow. But their incentives are much more reasonable now, so we do offer it. As Dr. Aldea said, credit cards charge a percentage fee, too.

Care Credit and financing for plastic surgery

This is a complex matter to discuss and each surgeon may approach it differently. In many ways it comes down to semantics. It may be that surgeons do not charge a Care Credit patient more but that they offer cash paying patients a comparable discount of 1-5% because they do not have to pay these fees when accepting cash. From your end, it looks as if they are charging more when they are actually getting paid less.

Otto Joseph Placik, MD

32 reviews

Chicago Plastic Surgeon

Care Credit - Breast Implant Financing Options

At our clinic we use the Care Credit system and it has been most helpful to us with our patients that wish to finance their cosmetic surgery. There are other financing options available such as your personal bank.

Care Credit

Care Credit is a respected financing option for surgery. I have used Care Credit for many years without any problems.

Financing for surgey

For a long tiem I was reluctant to offer these financing plans in my office but I felt that I had to allow this because it gives patient more options to pay for their surgery.