Do Personal Finance Programs Exist in Plastic Surgery?

I just underwent a horrible divorce where my credit was hit hard. A line of credit is out of the question. Are there any other options with the exception of pre-pay?

Doctor Answers 4

Financing Options for Plastic Surgery

Yes, many surgeons work directly with financing companies, like Carecredit and MedChoice Financial, to help patients pay for their surgeries and to make their cosmetic desires a reality. Also, many offices offer payment plans that allow their patients to pay for their surgeries in timely installments. These options can make it more feasible for patients who cannot afford to pay for surgery in a lump sum or who may not have the financial means to cover the cost of their entire surgery up front. Be sure to ask your surgeon’s office directly, as I am sure they offer some of these financing options you can work with.


San Francisco Plastic Surgeon
5.0 out of 5 stars 57 reviews

Do Personal Finance Programs Exist in Plastic Surgery?

Thank you for the question.
You are wise in saving up for the elective surgery. Generally speaking, It is always in patient's best interest 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. Overall, best to achieve a physical, emotional, psychosocial, and financial “stable state” prior to considering elective plastic surgery. Best wishes.

Financing plastic surgery

Thanks for the question -

Carecredit is one of the more popular financing programs for plastic surgery.  They will take your credit history into account however.

I hope this helps.

Good luck!

Payment plans and plastic surgery

Most surgeons require payment up front for surgery. This can be in the form of credit cards, cash, bank checks, or through finance companies. I know of no surgeon that will finance you via a payment plan to their office.

Steven Wallach, MD
New York Plastic Surgeon
4.0 out of 5 stars 23 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.