Breast Augmentation- Is there such thing as a payment plan?

Hey there. I am a 21 year old who has been seriously thinking about a breast augmentation to even out and enlarge my breasts. (I have one 34 A and one full B) The problem is being 21 and funding. Is there doctors who take payment plans? What are some ways to finance a boob job?

Doctor Answers 15

Payment plans for breast augmentation

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.


Providence Plastic Surgeon
4.8 out of 5 stars 45 reviews

Payment plan?

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. 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!

Lewis Albert Andres, MD
Scottsdale Plastic Surgeon
5.0 out of 5 stars 24 reviews

Paying for cosmetic surgery

requires full payment prior to the procedure.  As for payments, you have many options from pre-paying monthly until the fees are reached with no interest to using financing from a bank, credit card, second mortgage, or other agency will will charge a nice finance fee that ultimately increases the cost of your procedure.  I discourage patients from using such financing if at all possible.  And you do need to be prepared for 'what ifs' such as what if you get an infection or bleeding that requires more surgery... are you prepared to cover the costs of that too?

Curtis Wong, MD
Redding Plastic Surgeon
4.8 out of 5 stars 32 reviews

Breast Augmentation- Is there such thing as a payment plan?

It's a great question. Most surgeons have options for payment plans. This could include lenders, which are cosmetic surgery specific. They lend you the money, and then the patient makes payments over time. Other patients may have a good relationship with a bank, and choose to obtain a loan through their personal bank.

Breast Augmentation- Is there such thing as a payment plan?

Thank you for your question.

The payment for cosmetic surgery can be tricky. If you do not have the money up front, there are some credit companies, such as Care Credit (link provided below), that provide financing for medical procedures. Ask your surgeon if they take these or other financing plans.

Just be careful that when looking to save some money, you do not try to cut corners and get someone who is not qualified to do your surgery just because it is cheaper. Make sure you find a local plastic surgeon who is qualified, you will be much more pleased in the long run.

Best of luck!

Breast Augmentation- Is there such thing as a payment plan?

Thanks for the question. Budgeting is always an issue. All surgeons require payments be completed prior to surgery, usually by two or more weeks. So payments can be made on whatever basis is comfortable for you, and once complete, surgery can be scheduled. There are several credit agencies that loan money for cosmetic surgery and you get the money, have the surgery and make payments later to the company, much like a credit card. Without good credit that would require a co-borrower, such as a parent.

Ronald V. DeMars, MD
Portland Plastic Surgeon
5.0 out of 5 stars 24 reviews

Breast augmentation and Payment Plans

Many plastic surgeons offer payment plans, although you may also consider other financing options such as regular credit cards, medical credit cards, unsecured medical loans, bank loans, home equity loans, loans from family and relatives, etc. 

Hope that helps. 

Payment plan for breast augmentation

Hi, there.  Many plastic surgeons take payment plan.  Other options are Care Credit and United Healthplan.  You can apply them online to see whether you are qualified.  Please visit with a board-certified plastic surgeon to discuss your surgery and to learn about his/her financing options.  Best wishes.

Breast Augmentation - Is there such thing as a payment plan?

Most plastic surgery offices can help patients finance their procedures including breast augmentation.  The practice usually doesn't act as the financier, but can put the patient in touch with financing companies which provide financing for cosmetic surgical procedures.  As with any financing, a patient would have to qualify for the loan.  Many practices also accept credit/debit cards.  Best wishes, Dr. Lepore.

Vincent D. Lepore, MD
San Jose Plastic Surgeon
4.9 out of 5 stars 50 reviews

Financing surgery

Although it is not common for doctors to offer payment plans within their practice many offices work with outside finance companies such as Care Credit. These companies offer financing for patients that can be used as payment options for many surgical procedures. Please contact a Board Certified Plastic Surgeon to see what finance options they offer. 

These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.