Finance Cosmetic
Surgery
If you find out that your health insurance does not cover cosmetic surgery, you have two options: either pay for it out-of-pocket or find a way to finance the charges. More and more companies are now offering loan plans to cover cosmetic surgery, so researching your options before committing to any of them is your best chance to come out from the surgery in top shape, both physically and financially.
Instructions
Look Into Different Options
1. Use your credit card only as a last resort. A cosmetic surgery is usually an expensive procedure and it may end up costing you even more when you factor in the credit card percentages. If you have a new, non-interest card or if you get special benefits (such as cash-back) when using it, then it may be worth considering this option.
2. Ask your doctor if he participates in any kind of loan program. Many surgeons have agreements with loan companies or banks to help their patients pay for surgeries.
3. Research your options online but don't sign up for anything before reading the fine print. Credit repair companies may be a good option to finance the surgery, as can be loan firms that don't deal exclusively with plastic surgeons.
4. Take your time filling out your loan application and take it as seriously as you would a mortgage or car loan application. List all sources of income, not matter how small or secondary and don't leave out anything (such as property) that will reassure the company that you will be able to repay the loan.
5. Take advantage of union or work-related supplemental insurance plans. Sometimes, when you have an injury that is not elective, your insurance company may opt to still not cover it. Supplemental insurance may then cover your surgery for you.
