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Do You Have to Pay Up Front for Tummy Tuck?

Doctor Answers 10

Paying Upfront for Tummy Tuck

Thank you for the question. We have many patients who finance their procedures. That means that the financing company will pay for the procedure upfront and you will make monthly payments to them directly.
In our practice, we use Care Credit as well as other companies; they have been used by our patients with no problems. They do have different rates so please make sure you get all of the information you need prior to signing up with any financing company.
Generally speaking, it is always in patients' best interests to achieve a certain degree of financial stability prior to undergoing elective surgery of any type. Patients should also keep in mind that additional surgery may be necessary in the short or long term, following the primary procedure that is being performed; this additional surgery may be associated out-of-pocket expenses. Again, best to achieve a physical, emotional, psychosocial, and financial “stable state” prior to considering elective plastic surgery. Best wish

Tummy Tuck Financing in Atlanta

Most plastic surgeons do require full payment before the operation. We require half down to reserve a space for surgery and the remainder is due no later than your pre-operative visit which is usually about a week to a week and a half before your surgery. However, there are financing options in most facilities these days. We offer finance companies that try and offer financing to patients with less than perfect credit as well as incentives to patients with excellent credit. If you have excellent credit you can apply for a 12 month interest free loan.

Vincent N. Zubowicz, MD
Atlanta Plastic Surgeon
5.0 out of 5 stars 20 reviews

Tummy Tuck Cost

The payment schedule for this cosmetic procedure should be discussed with your plastic surgeon. In general, payment for cosmetic procedures is made prior to surgery as the cost of anesthesia and surgery center are high.

Raffy Karamanoukian, MD, FACS
Los Angeles Plastic Surgeon
5.0 out of 5 stars 70 reviews


This is a cosmetic procedure not covered by insurance.  As such, plastic surgeons usually have a policy of payment in advance of service.  This may be cash, credit card, or finacing.


Cosmetic surgeries are paid in full beofre surgery

It has become widely customary to ask for payment in full for aesthetic surgery 2 weeks before the surgery is performed. Financing can be made available to assist and credit cards are frequently used. The reason for this is that some patients in the past may have had surgery and not paid afterward.

Payment for cosmetic surgery

Most of the time, payment up front is necessary for cosmetic surgery.  Financing is available in most physicians' offices, so check around and see what rates you can get.  Good luck!

Payment in full prior to cometic or elective plastic surgery

Yes, in general, almost any plastic or cosmetic surgeon will request payment in full prior to cosmetic or elective surgery. Unfortunately, this has developed out of necessity.

Otto Joseph Placik, MD
Chicago Plastic Surgeon
5.0 out of 5 stars 60 reviews

Payment for Tummy Tuck

Hi Tiffani,

Before any cosmetic procedure, your surgeon will almost certainly require payment up front. In addition, the surgical facility and anesthesia providers will also likely require payment ahead of time. Most plastic surgeons do participate with third-party financing companies, such as Care Credit, so you can effectively get a loan for the procedure and pay it back over several months.

Hope this helps. Best of luck.

Payment for Tummy Tuck

Most plastic surgeons do require pre-payment for tummy tucks and other aesthetic procedures.  Some offer "inhouse financing".  However, most offer financing through third parties such as Care Credit.

John Whitt, MD (retired)
Louisville Plastic Surgeon
5.0 out of 5 stars 2 reviews

Payment for Cosmetic Procedures

Every plastic surgeon has a different way they go about the business aspects, but most if not all would ask for the payment up front, usually at the preoperative appointment.

This usually includes the cost for the surgery center, anesthesia and implants and garments.

Good luck.

Farbod Esmailian, MD
Orange County Plastic Surgeon
5.0 out of 5 stars 60 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.