Do I have to pay upfront or can I make payments?

Question

I was wondering if I decided to get breast augmentation, would I have to pay the full amount upfront or could I make monthly payments? If so, what amount would I need to pay each time? Thanks!

Austin Hayes, MD · Answer

It's a great question. Many offices do offer financing options. In my office we offer payment plans through CareCredit and Alphaeon. These are third-party credit companies that offer our patients no interest financing for six months. In the attached link you'll find links to their website. Many people will obtain credit before their initial consult. When considering cosmetic surgery make sure you find a board certified plastic surgeon who will take the time to answer all of your questions and explain all of your options, so that you can decide if surgery is right for you.

Richard Zienowicz, MD · Answer

Typically, your surgeon's office will suggest financing through a company like Alphaeon or CareCredit. Both plans offer six month financing without any interest fees. Good luck.

Larry S. Nichter, MD, MS, FACS · Answer

Care Credit, Alpheon Credit, and credit cards in general will allow you to make payments  to pay off the loan. Each has different arrangements and rates based on your credit. Paying up front saves money in the long run for most.

Jerome Edelstein, MD · Answer

In Toronto, ON, there are several financing options available, offered by a third party. These allow you to pay for your surgery from just a couple of hundred dollars a month. However, payment policies vary depending on the surgeon, so it's best to ask your surgeon directly.

Joe Gryskiewicz, MD, FACS · Answer

We require full payment 2 weeks prior to surgery.  We offer Care Credit financing.  Care Credit offers many payment plan options.  Some of those plans are interest free and may vary per office.  You can visit Care Credit's website to obtain a list plastic surgeons in your area.  Best of luck!

Jeffrey E. Schreiber, MD, FACS · Answer

We use CareCredit financing for payment plans.  If you qualify, they have great interest free plans that you can pay back over many months.  Good luck!

Asif Pirani, MD, FRCS(C) · Answer

Every practice is different.  In my practice, a deposit is needed to book your surgical date.  Full payment is required 3 weeks pre-op.  If you cannot pay the whole amount pre-op, then there are several finance companies that will assist you.  They will pay for your surgery, and you can pay them back in instalments.  Be careful though, as many of them have VERY high interest rates.  Sometimes it's better to use a credit card, depending on your interest rate.Best,

Miguel Delgado, MD · Answer

Most all surgeons require payment in advance, there may be some that offer in house financing, but not many. Your choice then would be to get financing which would allow you to make monthly payments with a company such as Care Credit which many offices offer or some patients even use a credit card. Good luck.

Kris M. Reddy, MD, FACS · Answer

Patient financing is becoming increasingly important to patients. We work with 8 companies and over 30 lenders to help patients with financing. This will allow you to pay over time.

Jourdan Gottlieb, MD · Answer

Almost all surgeons will want to be paid up front. We are not in the banking business. However, almost all accept credit cards, and most work with one or more finance companies. Payments would depend upon the fees for the surgery in your area, and the length of the loan, and the interest rates. A sample based on our approxiamte fees and using CareCredit would have patients who pay in 18 months with a monthly fee of $336 (no interest) or over 3 years with a monthly fee of $228 (14.9%).  You can determine your own specific payments on their website.Hope this helps, all the best.

Do I have to pay upfront or can I make payments?

Answers (13)

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