How to afford Rhinoplasty. What do you recommend to patients that can't pay in full upfront for their surgery?

Question

Do most doctors have payment plans or creditors they recommend?

Elliot M. Heller, MD · Answer

Most offices offer financing through credit companies. Most surgeons offices do require payment up front  or within 10 days of surgery. Every office is different you maybe want to speak to the doctors office before booking anything

William Portuese, MD · Answer

Most practices will allow patients to make all  of their payments, and then undergo the surgery. There are many third-party financing companies available to the general public. We recommend patients  obtain a personal loan from their local bank branch manager in their community, since the interest rate will probably be significantly lower.   A closed rhinoplasty approach to accomplish making all the required changes with all the incisions placed on the inside of the nose itself. For many before-and-after examples of rhinoplasty and our current price list, please see the link and the video below

Tom J. Pousti, MD · Answer

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.

Stephen Weber MD, FACS · Answer

There are many financing options available for patients who cannot pay in full prior to rhinoplasty. CareCredit is the best known but also has the highest standards in terms or credit score requirements. For patients who do not qualify for CareCredit due to inadequate credit history there are several secondary programs that we recommend for patients. In most cases, we can find reasonable financing for patients looking to schedule rhinoplasty. We vet these creditors extensively to ensure that they are honest and offer realistic financing options to our patients. I hope this information is helpful for you.Stephen Weber MD, FACSDenver Facial Plastic Surgeon

Michael T. Somenek, MD · Answer

There are several ways to pay for cosmetic surgery. Although some surgeons require full payment up front, some are willing to do a payment plan. There are financing programs such as Care Credit that will finance your surgery in full if you qualify. Check with your rhinoplasty surgeon to see what options they are willing to provide. Hope this helps and best of luck.

Robert E. Zaworski, MD (retired) · Answer

Cosmetic surgery is not covered by health insurance.  The vast majority of surgeons require the fees prior to surgery, unless other arrangements are made.  Check with the surgeons in your area, but many take care credit, and major credit cards.  Best wishes!

How to afford Rhinoplasty. What do you recommend to patients that can't pay in full upfront for their surgery?

Answers (6)

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