Mommy Makeover Plastic Surgery Financing

Many of the other answers address outside financing options such as Care Credit and Alphaeon. Sometimes these options have limitations with what your line of credit can be used towards. I have had multiple discussions with my colleagues pertaining to this topic and have learned many surgery centers and anesthesia groups will not accept these two financing options as a valid method of payment, thus limiting how much you can finance with their plans.
There is another financing option my office accepts called Prosper Healthcare Lending. They start approving at a credit score of 640. Checking your rate with Prosper will not affect your credit score as they run a soft credit check. If approved, they will provide you with several offers which will specify different financing amounts, interest rates and loan durations. You can choose to approve one of the offers or do nothing at all. If you proceed with accepting an offer a representative will be notified and will reach out to you to verify banking information as well as a few additional items. Once these items have been verified, the funding process is initiated and funds are provided directly to you. Our patients love this option as they can finance the entire cost of the procedure, including, but not limited to, surgeon’s surgical costs, operating room and anesthesia fees. Prosper’s interest rates are pretty reasonable. The lowest interest rate I have seen is 3% with the average high around 14%-15%.
Occasionally, I will have patients tell me they were unable to get approved with outside financing options, express having difficulty saving money and would like to make scheduled payments towards surgical costs. For my practice and many of my colleagues this is an acceptable option for those who are serious about moving forward with surgery. We do have stipulations with proceeding this way and require all fees be paid prior to the scheduled surgery date. Continue to do your due diligence and ask potential plastic surgeons what their financial policies are. Good luck and please try not to get discouraged. – Dr. Michele DeVito

The Mommy Makeover is a combination of procedures to bring a woman’s body back to the way she looked prior to pregnancy. Most commonly some variation of a #TummyTuck and #BreastSurgery are performed. Additional procedures can include liposuction, umbilical hernia repair.  The most common #breastprocedures include #mastopexy or #breastlift, #breastaugmentation, or #breastreduction.

The costs of a #Mommy Makeover will depend on several factors. Such include the geographic location, the skill and experience of the surgeon, and operating room and anesthesia fees. Approximate #costs can be found here on the Real Self website, Surgery.org, or PlasticSurgery.org. Also, the costs are contingent on the specific #procedures being combined in the operation. Such will be discussed in greater length during your one-on-one consultation. Also, such #combined operations are often performed with our Gynecology colleagues. Tubal ligation is a common post pregnancy procedure which is done at the time of many of the surgeries included with Mommy Makeovers. Therefore, if you require a gynecologic operation or study (laparoscopy) and are considering a plastic surgery procedure, discuss these issues with your doctor. Combining these procedures decreases anesthetics, costs, and recovery time. 

Cosmetic surgery can be a life changing event. In order to fully enjoy the benefits you must also feel comfortable with the financial obligations. Traditionally the cost of cosmetic surgery is paid "up front" meaning before the procedure is performed.. In order to meet this financial obligation a patient can either save up for it in advance or use some type of credit. Many practices will allow patients to pay with credit cards. If a patient's credit is not ideal occasionally a family member will either lone them the money or cosign a loan with them. Other options include utilization of some type of credit designed specifically for cosmetic surgical patients. There are several different companies that provide loans for cosmetic surgery. The interest rates for thes types of loans are usually higher than a conventional lone because it is unsecured. Unsecured means that the lender has nothing they can take back' such as a car or a house' if a person fails to make the payments. Although there are many companies who make these type of loans two of the most popular lenders seem to be CareCredit and Prosper. Our patient's have had a good experience with both of these programs. Another popular company is Alpheon. These type of lending companies allow you to make your application over the Internet and provide an answer quickly. It is important however to find out beforehand whether their inquiry will effect your credit score. Some companies have what is called a "soft inquiry" which will not affect the your credit score. When considering a loan company such as these it is very important to understand the terms of the lone and the differences between different lending programs. Some of the questions that you should ask when comparing different lenders are: What are the amounts available? How long are the terms good for? What are the interest rates and do they change? Is the money funded directly to the doctor or the patient? What are the transaction fees.? Will the interest rate and monthly payment change during the life of the lone? Are there any pre-payment penalties? Will all treatments, procedures, medications and associated costs such as travel and lodging be covered. Each company is a little different. You should be careful in selecting the one that best fits your particular situation so that your financial obligation does not interfere with the potentially life changing experience of your cosmetic surgical procedure.