When you look in the mirror, do you like what you see? Hopefully, you do, but if not, maybe you have considered getting a nose job. As this is cosmetic surgery, paying for it can be difficult. Rhinoplasty or a nose job isn’t cheap, so if you’re wondering how to afford a nose job, read on. These options might just be what you’re looking for.
How to Afford a Nose Job
The average cost of a nose job is between $6,000 and $15,000 dollars.
That’s a pretty big range, but it is in large part where you live and where you plan on getting the surgery.
Prices are different in different parts of the country.
So, if you’ve decided a nose job is a must, but you aren’t exactly sure how you’re going to pay for it, here are a few options for you.
1. Credit Cards
Because rhinoplasty isn’t too expensive compared to other types of plastic surgery, if you have a large enough credit limit on your credit cards you can charge it.
Keep in mind that the interest you pay on your card will increase the overall cost of the cosmetic procedure.
You will want to do what you can to get this paid off as quickly as possible.
Plan to cut back in other areas, if necessary, so you can make more than the minimum payments.
Otherwise, you will be paying for this nose surgery for years to come.
2. Build Up Your Savings
Maybe one of the best ways to pay for your medical expenses is by saving up the money.
If you can save the money over two or three years this is the way to go.
If it is going to take you ten years or more, you may not want to wait that long which is completely understandable.
Even so, see what you can do.
Can you cut your expenses now and for the next couple of years to build up your savings?
If so, then consider doing so.
You will have the advantage of having your nose done and no big bills after the procedure.
3. Personal Loan
If saving money isn’t going to work for you, then you might be able to get a personal loan.
The interest rates are typically lower than credit cards and you will have a number of years to pay it off.
If you can pay it off sooner, that’s great as well.
A personal loan could be used for the full expense or if you do have some savings, you can use that and then get a smaller loan.
Either way, when it comes to financing options this isn’t a bad way to go.
4. Bank Loan
If you have excellent credit, you might want to talk to your banker.
They may be willing to approve a loan for you.
This should be at a lower interest rate than other loans or another credit card company.
And the monthly payment would be lower as well.
Be sure to check your credit rating before you go this route.
5. Home Equity Line
If you own a home and you have equity in your home, you can get a home equity line of credit.
The nice thing about this option is that you can write off the interest you will have to pay on your income tax return.
You can use this line of credit for anything you want including a surgical procedure.
Just be sure you will be able to make your payments as you don’t want to lose your house.
6. Get a Medical Loan
There are loans out there that are specific for medical procedures.
These are unsecured medical loans and similar to personal loans or they can be a credit card you get through your doctor’s office.
An unsecured loan means that you don’t have to put up any collateral such as your house or car.
You would be able to apply for this type of loan at your doctor’s office.
Just be aware that the interest rates will be higher.
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7. Doctor Financing
Most plastic surgeons do have a payment plan and other finance options.
Ask yours what their payment options are.
Oftentimes, these plans will have no interest which can save you a lot of money.
With some of these plans, you will have to pay for your surgery before you actually have it.
Chances are your doctor can help you apply to CareCredit.
This is like a credit card but unlike regular credit cards, it can only be used for medical purposes.
You should get approval in minutes, and then once you have your procedure, you will get a monthly bill just like a credit card.
Once you pay down your balance, you can use this card for other medical procedures that you may need down the road.
With this card, you may have a period where you don’t have to pay any interest or low interest, after that the interest rates go up.
Also, if you miss a payment, your interest rates can rise.
Most insurance companies won’t pay for elective surgery.
However, if your doctor determines that your nose job is actually reconstructive surgery or medically necessary, then your insurance might pay.
Talk to your doctor to see what they think and go from there.
If it is decided that this is truly elective surgery, then you will have to pay the full cost of surgery.
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To Sum it All Up:
You actually have a lot of options for plastic surgery financing. No matter your situation, you should be able to find a viable option to cover the cost of rhinoplasty even if your insurance company won’t cover the cost.