Care Credit - Breast Implant Financing Options

Hello - CareCredit does take a percentage of what we charge, but it really is that much. In fact, it is a good way to finance your plastic surgery procedure. Paying with financing is a good option, but make sure your credit score is good because credit card companies are making it harder and harder to get loans, especially for plastic surgery. Yet, if you can get it you will be able to pay off your procedure little by little instead of all at once. I accept CareCredit and my patients love it as a financing option.

Thank you for your question.  In my practice, I do offer patients several different financing options (including Care Credit and Alphaeon Credit) to help patients make their cosmetic surgery dreams a reality.  While these companies do take a small percentage of what the surgeon charges, the alternative would be using other financing companies that force the patient to incur those additional costs or sending the patient home without any hope of having the desired procedure.  Depending on a patients credit, some plans are definitely more reasonable than others and it is important to note that each company offers different payment plan options both with and without interest.In short, financing programs help thousands of patients each year have surgeries both cosmetic and otherwise, that would have been impossible without them.  Many surgeons appreciate that it can be nearly impossible for some patients to pay the full cost for a cosmetic procedure up front and because of this we welcome these financing options.  Additionally, you can always refer to the financing companies website to find a surgeon who participates with their program.I hope you find this helpful.

Hello. That is a very interesting question. I recently had a patient finance her mommy makeover through a similar company, United Medical Credit. They paid almost 100% of my fee and I believe she completed the rest. I assume some doctors don't accept credit because they might not receive their full fee. As long as the patient qualifies and gets a good deal plus the surgeons is ok with it, I think it's a good idea.Best of luck,Dr. Miguel Mota

It's a great question and our office gladly offers financing options through CareCredit and some other lenders. Third-party lenders can be a great way to finance a surgical procedure. Many offices will offer no interest for 6-24 months. When considering a cosmetic procedure make sure you find a surgeon who will take the time to answer all of your questions and explain all of your options, so that you can move forward with confidence.

CareCredit is accepted at over 185,000 providers nationwide.  Although their fees tend to be a bit higher than a Visa or Mastercard, many offices still find it is the best financing option available.  Legally, an office can't charge you more to finance with CareCredit.  We accept CareCredit here and love it.  It's a good option for many of my patients.  Good luck!

Hello! Thank you for your question. Costs of the breast augmentation procedure will certainly vary depending on your geographic location. Things to factor in for the surgery standpoint will be the facility fee, anesthesia fee, surgeon fee, implant cost (saline vs. silicone), other fees (e.g., acellular dermal matrix cost, pain pump, surgical garment, etc.). Typically augmentation with saline implants will be ~$1000 less than with silicone implants and ~$1000 less than shaped, cohesive gel implants. Consultation with plastic surgeons who you are interested in having perform your procedure and satisfied with the photographic results is advised. Financing options can be discussed with each office individually, if they offer, or there are other private institutions and companies such as CareCredit who may be able to assist you, if you qualify.  That would be a separate contract between you and the financing company.  Likely will not change surgeon cost.  A range of $4000-10000 is reasonable for a standard breast augmentation alone, depending on the factors above, the complexity, surgeon experience, and the implant chosen. Hope these answers help! Best wishes!

For many patients, breast augmentation wouldn’t be
possible without some type of financing. In our practice, we almost exclusively
utilize Care Credit. This is currently the most commonly used source of
financing in the United States. The company is run by GE capital financing.
It’s reputable and you can apply for a loan online. It takes approximately
thirty minutes to get a response. In some cases, you may be able to get a
twelve month interest-free loan.

Financing isn’t for everyone, make sure you understand
the fine print in your contract. Don’t take on more than you can handle. At
some point, you will have to repay the loan. It’s important to have all your
financing questions answered before proceeding with cosmetic surgery. In our
office, we have financial consultants who can help you with this very important
issue. It’s also important to know that there’s no
additional charge when care credit is utilized. 

Care credit has survived while most of the other companies offering financing for cosmetic surgery have stopped offering the product, or have gone under.  The fees differ based on the plan that is chosen.  The surgeon can select the plans that charge fees that they are comfortable with.  Care credit makes up almost 100% of our financing.

Weigh your choices carefully and make sure you understand all financing charges including credit cards and Care Credit. Ultimately it is best to wait and save your money until you have enough.

Care Credit is a great financing program and has helped dozens of my patients have surgery that would otherwise been unable to afford it if they had to pay the full cost up front.  The interest rate is currently about 14.9%, not cheap, but fairly standard for consumer finance compared to credit cards. You have to have a reasonably high credit score to qualify, but if you do you can finance the procedure over 2-5 years with monthly payments. 

 

I have used care credit since 2006 and patients have loved the idea of having additional finaning options.  There are many comanies out there but beware of hidden costs they don't tell you about in the beginning and your actual interest rates is higher than expected.  With care credit you know upfront what your interest rate is and what you can expect to pay each month-I recommend it