Can I Afford a Tummy Tuck on a Fixed Income?

i am a single mom mu stomach sags when i sleep on my side its annoying. Even the mirrors in my house are from my neck up because i cant stand seeing my stomach... i dont regret having my kids i love them, but i have the aftermath

Doctor Answers 14


There are financing options offered by surgeons. The financing company pays off your surgery for you, and then you make monthly payments to the financing company. These payments can be just a couple hundred a month. When you find a surgeon, ask about this option.

Toronto Plastic Surgeon
4.6 out of 5 stars 24 reviews


It is very possible to cover the cost of a tummy tuck on a fixed income. If you sign up for financing, you can pay just hundreds of dollars each month over a few months. This option is available at many surgeon’s offices, and they can help you with the process of obtaining it.

Leila Kasrai, MD, FRCSC
Toronto Plastic Surgeon
5.0 out of 5 stars 66 reviews

Financing Tummy Tuck Surgery

Thank you for the question. 
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

Tom J. Pousti, MD, FACS
San Diego Plastic Surgeon
5.0 out of 5 stars 1,484 reviews

Can I Afford a Tummy Tuck?

The price is dependent on many factors - is it a mini, full or extended abdominoplasty such as a fleur de lis pattern where redundant skin is removed from the center as well as the bottom of the abdomen? Is it skin only or does it include tightening of the muscles? Will Liposuction also be necessary? Will it be performed in a hospital with an overnight stay or in an independent out-patient facility? Will a surgical assistant be needed? Will a board-certified anesthesiologist or a nurse anesthetist be used? Will an (anti) pain pump be used?

All of these factors influence the cost. In Mexico it is probably different but for reference, in Orange County, California the estimated range is $7000- $15,000 depending on the variables above.

Larry S. Nichter, MD, MS, FACS
Orange County Plastic Surgeon
4.9 out of 5 stars 154 reviews

Costs for Tummy Tuck on Fixed Income

The cost for tummy tuck like other cosmetic surgery varies considerably across the country and even in the same area. South Florida tends to have lower fees then more expensive areas such as New York or Los Angeles. We charge starting at $4000 + MD Anesthesia related expenses for a modified tummy tuck. With a complete tummy tuck being more. Since you can get quality work at lower costs, patients will travel from throughout the state, the country, and internationally to have surgery in South Florida.

To ensure that you are receiving quality work with personalized care at the most cost effective prices, consult with board certified plastic surgeons that own their own nationally accredited facilities. The quality must be maintained at the highest level to maintain accreditation. The surgeons also have incentive to hire and train quality staff (to ensure that surgery is efficient and enjoyable), to ensure comfortable and private facilities (to encourage referral), and to eliminate waste (to ensure that these facilities can compete effectively).

Kris M. Reddy, MD, FACS
West Palm Beach Plastic Surgeon
4.5 out of 5 stars 39 reviews

Tummy Tuck on Fixed Income

Pricing really depends on the surgeon, location and type of tummy tuck. Generally speaking, mini tummy tucks range from $6000 to $7000 while full tummy tuck are more, ranging from $8000 to $9000. Since you mention you have had children, you may need a full tummy tuck. However, you should discuss this with your surgeon. You can request financing, which is normally done through a third party. The financing company would pay for your surgery on your behalf, and then you would just have to pay the financing company monthly installments which are usually just a couple hundred dollars.

Another factor that should be considered is if liposuction is performed as well. If yes, this may be more or integrated into the price.  

Jerome Edelstein, MD
Toronto Plastic Surgeon
5.0 out of 5 stars 176 reviews

Tummy tuck on fixed income.

Children are great, but they can certainly change a woman's body.  There are financing options for cosmetic surgery.  Ask the office manager in the plastic surgeon's office and they should be able to guide you.  Another option is to have surgery at a cosmetic clinic run by the residents, (and overseen by faculty), at a teaching hospital.

Jeffrey J. Roth, MD, FACS
Las Vegas Plastic Surgeon
4.6 out of 5 stars 17 reviews

Costs of a Tummy Tuck on a Fixed Income-Possible?

There are a number of options for you to consider before proceeding with an abdominoplasty-tummy tuck when you are living a a fixed income.  Most importantly, you do not want to place you or your family in a state of dire financial stress so you have to be very honest with what you realistically can afford.  Once you have determined what you can afford, then you should contact a number of board certified plastic surgeons in your region to determine if the total costs of the procedure(s) you are seeking will fit within this budget.   Many plastic surgeon do offer financing options and their staff can help you determine if these are something you may want to consider.  Lastly, a number of medical schools with plastic surgery training programs do have clinics where the plastic surgery residents who are training to become fully accredited plastic surgeons perform cosmetic procedures at a reduced cost.  These procedures are supervised by a plastic surgeon who is a faculty member but the actual surgery will be performed by the resident and/or fellow.

I hope this helps you on how to approach your area of concern.  I wish you good luck.

Herluf G. Lund, Jr, MD
Saint Louis Plastic Surgeon
4.7 out of 5 stars 83 reviews

Tummy tuck on a fixed income

Only you can know what you can afford for surgery.  We offer financing and accept all major credit cards.  The financing companies have become much more stringent after the financial crisis of 2008.  However, if you have a steady job and a good credit rating, they will entertain your application.

Robert L. Kraft, MD, FACS
New York Plastic Surgeon
5.0 out of 5 stars 39 reviews

Low cost tummy tuck

Occasionally tummy tucks are available at a lowered cost if performed in the context of a teaching institution under the supervision of professors. You may want to discuss this with any local university programs.Alternatively, there are loan and financing options.

Otto Joseph Placik, MD
Chicago Plastic Surgeon
4.9 out of 5 stars 81 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.