How can I finance a mommy makeover?

Different PS accept various payment options.  Care Credit seems to be a frequent finance option that patients choose although there are others worth investigating.  However, always make certain that you are not exchanging one headache for another as the worst stressors are financial.  You can always take your time and make gradual payments until you have completed it or finance a part of it and not all of it.  Just be comfortable with what you choose to do and understand how much more it ends up costing you if you choose to finance.

It's a great idea to be as close to your ideal body weight as possible and have a good nutrition and exercise routine in place to help you maintain your results after surgery. Many board certified plastic surgeons will accept various financing companies and may be able to get you contact information for them. Companies like CareCredit and PatientFi specialize in medical financing.

Many of the other answers address outside financing options such as Care Credit and Alphaeon. Sometimes these options have limitations with what your line of credit can be used towards. I have had multiple discussions with my colleagues pertaining to this topic and have learned many surgery centers and anesthesia groups will not accept these two financing options as a valid method of payment, thus limiting how much you can finance with their plans.
There is another financing option my office accepts called Prosper Healthcare Lending. They start approving at a credit score of 640. Checking your rate with Prosper will not affect your credit score as they run a soft credit check. If approved, they will provide you with several offers which will specify different financing amounts, interest rates and loan durations. You can choose to approve one of the offers or do nothing at all. If you proceed with accepting an offer a representative will be notified and will reach out to you to verify banking information as well as a few additional items. Once these items have been verified, the funding process is initiated and funds are provided directly to you. Our patients love this option as they can finance the entire cost of the procedure, including, but not limited to, surgeon’s surgical costs, operating room and anesthesia fees. Prosper’s interest rates are pretty reasonable. The lowest interest rate I have seen is 3% with the average high around 14%-15%.
Occasionally, I will have patients tell me they were unable to get approved with outside financing options, express having difficulty saving money and would like to make scheduled payments towards surgical costs. For my practice and many of my colleagues this is an acceptable option for those who are serious about moving forward with surgery. We do have stipulations with proceeding this way and require all fees be paid prior to the scheduled surgery date. Continue to do your due diligence and ask potential plastic surgeons what their financial policies are. Good luck and please try not to get discouraged. – Dr. Michele DeVito