Mommy Makeover Plastic Surgery 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

Thanks for your question!
Most practices will have companies you can apply to for financing. Patient Fi, Care Credit & Alpheon to name a few. Schedule a consultation to discuss your options. Best wishes!

Most surgeons prefer the payment in cash the day of your surgery. However, in some cases you can pay in installments with the condition of completing the payment in full before the surgery. Credit cards are not really a good option because of high interest rates and large amounts can not be taken out in one try.

The Mommy Makeover is a combination of procedures to bring a woman’s body back to the way she looked prior to pregnancy. Most commonly some variation of a #TummyTuck and #BreastSurgery are performed. Additional procedures can include liposuction, umbilical hernia repair.  The most common #breastprocedures include #mastopexy or #breastlift, #breastaugmentation, or #breastreduction.

The costs of a #Mommy Makeover will depend on several factors. Such include the geographic location, the skill and experience of the surgeon, and operating room and anesthesia fees. Approximate #costs can be found here on the Real Self website, Surgery.org, or PlasticSurgery.org. Also, the costs are contingent on the specific #procedures being combined in the operation. Such will be discussed in greater length during your one-on-one consultation. Also, such #combined operations are often performed with our Gynecology colleagues. Tubal ligation is a common post pregnancy procedure which is done at the time of many of the surgeries included with Mommy Makeovers. Therefore, if you require a gynecologic operation or study (laparoscopy) and are considering a plastic surgery procedure, discuss these issues with your doctor. Combining these procedures decreases anesthetics, costs, and recovery time. 

We have had good success with Care Credit and Alpheon to help our patients finance their procedure.  I would discuss this with your plastic surgeon's office as they often have plans that can help you finance your procedure. Good luck.

Every practice has different payment policies. In Toronto, Ontario, most cosmetic surgery clinics offer financing through a third party, and the monthly payment plans can be very competitive. Even if a patient has bad credit, it may still be possible to get their surgery financed at just a few hundred dollars a month. Contact the clinic you're interested in and find out what their financing options are. Best of luck.

Patients in our practice can pay cash, charge the surgery on their credit card or they can use a company called Care Credit to obtain a loan for the surgery.  If a loan is obtained, the payments are set up with the credit company.   They offer six months with no interest or 24 or 36 month options with interest.  Most surgical offices offer some type of financing but not necessarily all offices.Best of luck,

For many patients, cosmetic surgery would not be possible without some type of financing. For this reason, the vast majority of plastic surgeons offer some type of financing program. With the availability of this type of program, plastic surgeons don’t typically take installment payments. They usually require full payment before surgery is performed.
In our practice, we almost exclusively utilize Care Credit. This is currently the most commonly used source of plastic surgery 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 is not 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.

Most plastic surgery offices offer some sort of financing option.  Often it is through a financing company.  Best to speak with the office manager of your Plastic Surgeon's practice and see with they usually do.

Thank you for your question.  Cosmetic surgery financing varies from one practice to another.  In our office, we do offer CareCredit financing to those who qualify.  So, check around your area to see what kind of financing is offered and you can usually apply online and get approved even before your consultations!  Good luck!