Does paying all cash mean a cheaper option vs using the financial planning?

Question

Wondering if the doctor will charge me more for my implants if I opt for the financial planning. I am more than capable of paying it off within the number of months given before the interest hits, but I don't want to put 5k down all at once.

Carlos Mata, MD, MBA, FACS · Answer

Hi Cho, Thanks for your question and photos. The fees remain constant usually but it depends on the doctors. Here in Phoenix, the cost is less for patients when they pay in cash, as the extra fees necessary to take credit cards or finance plans increase the cost to the doctors office. I recommend you find a board certified plastic surgeon and base your decision on quality and not necessarily cost. Financing typically cost the patient more. Good Luck!

All the best,
Carlos Mata MD, MBA, FACS

@cost @breastaugmentation @docmata #drcarlosmata
Board Certified Plastic Surgeon

All the best,
Carlos Mata MD, MBA, FACS

@cost @breastaugmentation @docmata #drcarlosmata
Board Certified Plastic Surgeon

Richard H. Fryer, MD · Answer

Great question.  This is actually something that needs to be directed to the office of your plastic surgeon. Every office is different and offers different discounts and payment options.  Sometimes it can be cheaper to pay with cash, but again, you would have to check with your doctor office to find out for sure..If you would like more information regarding breast augmentation you can download a free copy of my breast augmentation planner at ABetterBreast.com.

Jerome Edelstein, MD · Answer

Hello,Each practice has their own financial policies. Many Plastic Surgeons work with third party financing companies or have their own payment plans. You must speak with your chosen Plastic Surgeon about their options for you.All the best

Nelson Castillo, MD · Answer

Thank you for your excellent question.  Some practices may offer you an all-cash discount, but this would be practice specific and not industry-wide.  If they do not, paying cash and using financing would be equivalent assuming you pay off the financing prior to any interest being applied.  Hope this helps.

Allen Gabriel, MD, FACS · Answer

Thanks for the great question.  Every office has a different policy but in general if the surgery is financed then you have interest that ocrues and will make the total cost of the procedure higher at the end.  If the you can pay all up front without financing then the you will save money based on the financing program.  Best of luck.

Rodger Shortt, FRCSC · Answer

The lower price with cash may be the difference in the fee your surgeon would have had to pay Visa or MasterCard.  If someone is taking a lot less money, then they are potentially not claiming the income against their income tax.  That is a crime and not something too many surgeons participate in.Dr Rodger ShorttOakville Plastic SurgeonAssistant Clinical Professor &Director of Cosmetic Surgery Training,McMaster UniversityStriving to be the top ranked and best plastic surgeon serving Oakville, Georgetown, Burlington, Milton, Hamilton, Toronto and the GTA.

Dallas Buchanan, MD · Answer

Thank you for your question. Every doctor has his or her own policy about payments and financing for cosmetic surgery, so it would be best to ask your surgeon. In my office, I do offer some discounts for cash payments, so that is something you might want to ask about. Hope this helps!

Joe Gryskiewicz, MD, FACS · Answer

Hi Cho,We give a 5% discount for the surgeon's fee on all breast augmentations.       Yes, you
can expect a quick recovery. It is a surgical procedure that uses special instruments and techniques
to minimize tissue damage and avoid touching the ribs. It causes far less
trauma to surrounding tissue than traditional approaches, and it dramatically
reduces pain, suffering, and recovery time.

Quick-recovery BA is not a “gimmick.”  Much has been published
in our plastic surgery
journals on the quick recovery approach in recent years.  These specialized techniques actually speed recovery and get you back to
your daily routine, kids and work.  A
recent study followed over 2,800 BA patients for this recovery program showing
over 90% of the QR patients returned to normal daily
activities within 24 hours.  Some even went out the evening of their
surgery. 
Because these PS journals are “peer-reviewed” and edited, they are the
gold-standard in our field as being valid science. Therefore, these are sound
techniques, not marketing hype. See the article and the video links below.  All the best, Dr. Joe

Andres Taleisnik, MD · Answer

Every surgeon has his or her own policies or preferences about payment options. Many surgeons do accept financing plans, such as CareCredit. Some patients finance the entire payment, others don't use any financing, and some pay for part and finance the rest. Your surgeon or his/her staff should be able to help you to figure out what will work for you, and whether the charges will be the same for cash or financing.

Lewis Albert Andres, MD · Answer

You should discuss this with your surgeon of choice. Various options for payment are available - cost will art amongst surgeons as well as geographic location. Policies and payment plans also will vary and many may have incentives for early payment or cash payment. Best wishes!