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POSTED UNDER Breast Augmentation REVIEWS

23 Yrs Young, 1 Child-- Ready to Feel Like ME Again..

ORIGINAL POST

Well, I've finally scheduled my consultation! ...

NewGrls37
$6,500
Well, I've finally scheduled my consultation! And lorrrrrd, am i more impatient than ever before! In fact, I may call the office tomorrow and push for an earlier date if possible. BA/BL is something I've known I've wanted/needed since even before baby. I have always suffered from ptosis as well as small breast w large nips. After baby however, my ptosis became much more pronounced, breast became larger, & nipples became smaller (not a bad thing) but much more "rugged." Up until recently, I was ok with my body and knew that with pregnancy comes body change. Unfortunately for me, it was change in all the worst ways. Stretch marks EVERYWHERE, severe ptosis, and deflated "C" cup boobs. Very disappointing. So that's a very summarized explanation as to why I've chosen to go through with BA/BL. My low self esteem brought on by my new and unimproved body, have brought me to a new, very scary, low.. I can no longer bare looking at myself in the nude, can't fill out any bras properly, and lets not even talk about the toll it's taken on my sexual relationship. My boyfriend of 8yrs hasn't been able to see or fell my chest since our baby was born... Over a year ago :( Extremely depressing to say the least (tear). Anyways, my consult is in a couple weeks and given that all goes well, I will schedule my procedure for ASAP! I have all the support I need physically and emotionally all within my boyfriend. He's actually a Registered Nurse so he'll be w me every step of the way :) Now, obviously I have many questions but a lot of them I'm saving for the doc. I was hoping however, to maybe get a little more background info on the financing process and how it all works..? My chosen facility does offer CareCredit. Will I be approved/disapproved at my consultation? Can I make payments to my PS office instead of financing? Any tips or advise when using lenders such as CareCredit? The works basically lol any and all info would be greatly appreciated! Also, I'm thinking I want 400cc-450cc memorygel mentor implants, moderate plus profile... Too big, too small? Right projection? Let me know what you think! Thanks :)

NewGrls37's provider

Mel T. Ortega, MD

Mel T. Ortega, MD

Board Certified Plastic Surgeon

Replies (5)

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July 14, 2014
We used savings to pay for my surgery, but my husband did look into Care Credit just to see what it was all about. It's sort of like a credit card, so it's not associated with your PS's office. Care Credit pays your PS and you pay Care Credit back. Some offices may have their own payment plans, but most want the surgery paid in flu before they do the surgery. My husband said that there are a few different plans that you can choose from with Care Credit. There is an option where you pay a few payments rather than one lump sum. Then I think there's another option where you can pay smaller payments over a longer period of time. My husband looked into the "fine print" and he said that the interest rate jumps very high if you haven't paid it off in a short amount of time and/or if you miss one payment your interest rate goes very high. We ended up deciding to put the surgery on our credit card to get the points and then paid it off with savings. We didn't want to deal with interest rates making the surgery cost even more than it would have otherwise. The surgery coordinator didn't really go over Care Credit at my consultation. She just gave us a pamphlet and said we could look into it if we were interested. So it might be a good idea to go ahead and look into financing options before your appointment so you'll be prepared. Good luck with everything! I had my initial consultation in February and didn't have my surgery until June. It was torture waiting! I hope you're able to book your surgery soon! :)
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July 14, 2014
http://www.carecredit.com/cardholder/financing_options.html Here's some information about Care Credit. Maybe some ladies who have used it will share their experiences.
July 14, 2014
Thanks so much for this! I actually applied for care credit earlier today and got approved for my full $6,500 (BF consigned lol)! However, I already have $3000 cash so the full amount won't be needed. I'm super skeptical of this lender though... I've read some pretty horrific stories of what seems to be an unfair situation. Basically if I'm late on a payment, or even THEY mess up the payment, my interest rate jumps to 26.9%! Woah! Really freaks me out.. I'm hoping that my PS office will work out an exclusive payment plan with me instead.. I've read in some reviews for his facility where they consider it when you already have a lump sum of cash... I sure hope so! Anywho, thanks again! I'm so ready!! Lol
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July 14, 2014
If your PS office has financing then maybe that will be a better way to go. Even most credit cards have better interest rates than that. An interest rate of 26.9% is crazy.
July 14, 2014
It's insulting is what it is! Lol that's how they make their money I guess... They get ya good, that's for sure! We're definitely seeing what other options we have.. Might be time to raise our credit limit on the card we already have. Ahhh! The struggle lol
UPDATED FROM NewGrls37

Approved!... But is this a good thing? Lol

NewGrls37
So I applied for carecredit and was approved in about 60 seconds flat lol I have really good credit, but am currently a stay at home mommy so I definitely DON'T have an income! Therefor, my bf consigned for me. (He's so good to me!) It was a very "odd" approval in that they never gave me any sort of information pertaining to the style of loan I was getting... (Interest free? Fixed rate? Nothing.) so, I called right away. They customer service rep informed me that it is in fact at my SURGEONS facilities discretion to offer me any promotional rates going on at the time.. Huh?! So basically, if my PS will allow me to make interest free payments for 18months then and only then will I be able to do so.. This didn't make much since to me since I thought I was dealing exclusively with carecredit and GM nice they are in fact the lenders.. Anyways, we'll see! We got approved for $6,500 but given that I already have half of that in cash, the full amount won't be needed. This will make my monthly payments around $200-$220. Not too shabby. Anyways! I also decided to give my PS office a call today to see if I could bump up that consult date ;) disappointingly, they said he was totally booked until then.. Boo! But it's ok, I can finally "see the light" and that's good enough for me... For now lol hoping to have these "girls" by late August 2014! Ill go ahead and add some "dream" pics.

Replies (2)

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July 14, 2014
I have 400cc mentor memory gel mod plus. I was very unsure of size. I think they are perfect for me. I am 5'4" 150 curvy/athletic build. Most women wish they had gone bigger, I do not :) I was worried 400cc wouldn't give me the full round augmented look I wanted but they do. I wax also a deflated C before surgery, but I'm twice your age :) yikes!
July 14, 2014
Totally just went and checked out your new boobs! Lol they look awesome! I want that exact shape but maybe just a bit bigger lol and haven't you heard? Age isn't nothing but a number!?! Lol Thanks for the comment!
UPDATED FROM NewGrls37

Couple more dream pics

NewGrls37

Replies (0)