What's the best way to pay for any plastic surgery?

Doctor Answers 12

What's the best way to pay for any plastic surgery?

Most practices accept cash, credit cards, Carecredit. But all payments need to be made in advance to secure and reserve your surgery.

How to pay for cosmetic surgery.

Because "Cosmetic Surgery" is elective and not medically necessary, insurance does not cover these procedures. Patients therefore pay via cash, check, credit card or very commonly through a financing company. We work with several financing companies who finance cosmetic surgeries. These are available through my website.   

Best way to pay for cosmetic surgery

One thing that I didn't see mentioned yet is taking out a home equity loan.  The interest rates are usually lower than other finance methods listed and they are tax deductible! Is this a great country or what?.

How to pay for your surgery...

Saving up for it is best since you're not having to deal with finance charges and interest that are most likely to be double digits.  Family financing is certainly better than any loan or credit card fee and your family benefits from a better return with leaving the money in a savings account.  After this, it is using credit cards (and accepting their fees if you don't pay it off monthly) or applying for financing/loans.  Finally, if you have services or products that are in demand, the old fashioned method of bartering could be considered.

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

Plastic surgery payment options

All fees for cosmetic surgery are completely paid up front in almost all offices. These fees can be paid in cash, check, credit cards, or vis financing companies like Care Credit. Most offices do not offer their own financing nor will they take installments over time. 

Payment for plastic surgery

Dear Taurus,
   The best and most economical  way is to pay in cash if you can do that.  This will save you additional cost of processing fee that you'll incur if you use credit card ( about 2-3 % ). Cashier check is another option and the bank will charge you about $10 for it . Personal checks are acceptable too in my office since we have check verification machine that assures that the patient has the funds  in  his or her's  bank account and a hold is being placed on them. . Another popular option is financing by companies that finance plastic surgeries  and as long as you have good credit, this only entails additional cost as a small  percentage of the cost of surgery. If your credit is not good, there are companies that will finance your surgery at a very high percentage of the cost of surgery and I usually discourage my patients from using them. It is better save money for a later date of surgery if you can not have the money readyly. Remember one thing, the original cost of surgery, might not be the only cost if you need corrective surgery because of bad outcome. So, do your due diligence and choose wisely. Always, consult with board certified plastic surgeons who operate in accredited surgery center for your safety. Most importantly, check the before and after pictures to make sure that they are numerous, consistent and attractive. Check also the ' realself' reviews for positive patients experience which provides important information on the surgeons.
               Best of luck,
                                 Dr Widder

Plastic surgery payment

The choice how to pay is yours. Many will take cash, check, credit card, bank check and even certain financial company payments. Best to ask your surgeon. Good luck.

Steven Wallach, MD
New York Plastic Surgeon
4.1 out of 5 stars 24 reviews

There are many roots to obtaining money for surgery.

There are many roots to obtaining money for surgery. Cosmetic surgery is usually paid in full prior to the surgery. The best way is to save some money from your paycheck each week. There are also several loan companies that will help you finance your surgery.
GG Gallico MD

G. Gregory Gallico III, MD
Boston Plastic Surgeon
3.2 out of 5 stars 7 reviews


Since  cosmetic surgery is elective and best done to make one feel better about oneself,  a patient should be realistic about what he/she can afford,  just being realistic about the expectations of the surgery. Creating debt may out weight any advantage of even the most successful surgical result.   As with any other purchase, know the facts and use good judgment in your decision to have a cosmetic procedure.

Harlan Pollock, MD
Dallas Plastic Surgeon
4.2 out of 5 stars 5 reviews

What's the best way to pay for any plastic surgery?

 Thank you for the question.

In our practice, we use Care Credit as well as other companies; they have been used by our patients with no problems.  They do have different rates so please make sure you get all of the information you need prior to signing up with any financing company.

Generally speaking, it is always in patients' best interests to achieve a certain degree of financial stability prior to undergoing elective surgery of any type. Patients should also keep in mind that additional surgery may be necessary in the short or long term, following the primary procedure that is being performed;  this additional surgery may be associated  out-of-pocket expenses. Again, best to achieve a physical, emotional, psychosocial, and financial “stable state” prior to considering elective plastic surgery. Best wishes.

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.