It is very easy to become excited about the transformation that awaits you. What can be more difficult for some patients is deciding on how to finance the procedure.
Plastic Surgery Financing
How do I pay for my plastic surgery procedures?
After meeting with Dr. Reilly and becoming aware of the possibilities for change that await you, one of the first questions that comes to mind is: “How will I pay for my procedure?”
First of all, it is important to understand the costs associated with plastic surgery. You, as the patient, are responsible for all charges. In general, you will be responsible for fees that include:
- Surgical facility
- Medications and other supplies
- Laboratory tests
- Nursing or after care, if needed
- Overnight stay, if needed/desired
For certain procedures these costs might be included under one single fee or they are detailed in your surgical fee quote.
A deposit is required in order to schedule your surgery, and the balance is due before the procedure takes place. It is important that you are clear about all fees and dates of payment well in advance of any procedure so that you can plan ahead.
For your convenience, there are numerous options for paying for your surgery or procedure. You can pay with cash, personal check, credit card or from a loan.
1. Cash (or personal check)
Cash (or personal check) may be your choice to pay for the fees associated with your plastic surgery procedure when savings have been put aside expressly for this purpose.
2. Credit Cards
Credit Cards may be used as a form of payment for any of our plastic surgery procedures. For your convenience, we accept Visa, Discover and MasterCard. However, please be advised that credit cards, while highly convenient will carry interest rates and possibly other fees that may raise the total cost of your procedure. But by using credit cards, you can spread out your payments. And, your credit card may offer “points” or other benefits for each dollar you spend.
3. Patient finance loans
Patient finance loans are another way to pay for your cosmetic surgery. We do not offer in-house financing to our patients, but there are plastic surgery financing companies that will offer an immediate monthly cost calculator as well as an immediate decision on your ability to obtain a loan to cover part or all of the costs associated with your choice of procedures. Paying the loan back over time can help you work your surgery into your personal finances.
We use CareCredit.com. Be sure to understand the loan process by visiting their website or contacting them directly so you are confident you understand your obligations.
Sometimes insurance will cover part of a cosmetic surgery procedure if it is found to be medically necessary. Often, patients will have an insurance covered procedure at the same time they are having a cosmetic surgery procedure. This usually will result in a cost savings in regards to your cosmetic surgery. Our office staff will clearly explain all charges and will be happy to work with you and your insurance company.
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