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How to Afford Plastic Surgery (10 Ways to Get Started!)

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In the United States, it’s estimated that over 14 million people are considering cosmetic surgery at any one time. However, in a country where so many barely scrape by each month — and have no health insurance — it can be tough to come up with the money for it. So, if you want plastic surgery and can’t afford it you might wonder how to afford plastic surgery with little money and no insurance to cover the costs. Read on to learn how to do just that.

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How to Afford Plastic Surgery

With a lot of forethought and planning, going under the knife doesn’t have to be as unattainable as you might think.

I’ve put together a list of ways you can find the money for your surgery – without having to dig too deep into your savings account or asking friends and family.

Here are the top 10.

1. Use a Medical Credit Card such as CreditCare or Alpheon Credit

You’ll pay a low introductory interest rate, and won’t have to pay the card off until after your surgery is completed.

You will be able to make monthly payments that fit your budget.

My mother has used CreditCare to pay for dental work.

She was approved right at the dentist’s office and got what she needed to be done before she ever had to pay a dime.

You can do the same thing for plastic surgery.

There are other medical credit cards available as well.

The Alpheon Advantage Card is designed for people with average to excellent (600+) credit scores looking to optimize their spending on medical care, or those who already have excellent credit.

Being approved for CreditCare is easier.

2. Take Out a Personal Loan

Personal loans are a good way to pay for a cosmetic procedure.

Once approved, you can use the money for whatever you want including all of your medical expenses.

The interest rates are lower than credit cards.

Just be sure you get an unsecured loan. That means that there is no collateral.

You don’t want a loan that requires you to put up something for collateral such as your car or house.

You can find several lenders here.

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3. Ask Your Doctor If They Have a Finance Plan

If your insurance company considers the plastic surgery procedures as cosmetic instead of needed for some medical reason, they won’t cover them.

So, a lot of doctors will have their own financing plans.

When you go in for your consultation, be sure to ask about all of the options they offer.

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4. Use Your 401K to Pay for Plastic Surgery

Regardless of what you are planning on having done such as, breast augmentation, liposuction, or a facelift, you can use part of your 401k to pay for your surgery.

Keep in mind, if you take money out of your 401k, you will have to pay a penalty and taxes on that money if it was put into the 401k pre-tax.

This isn’t necessarily the best option as you’re taking money from your retirement and you are having to pay penalties on your own money, but if you can’t find another way and you are desperate to have the procedure, then you might consider it.

5. Use Flexible Spending Accounts

If you have access to an FSA at work, you may be able to use it to pay for plastic surgery.

While this option isn’t always viable — and it’ll depend on your company’s guidelines — it is an option that’s often overlooked when looking for plastic surgery financing resources.

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6.  Use a Credit Card

You can often find credit cards that offer an introductory zero percent APR in the first year.

If you pay off your balance in full before the year is up and you’re responsible with your spending, you’ll be able to get plastic surgery interest-free.

Just make sure you know the credit card rates before you go this route.

You want to avoid a high-interest credit card as this will really increase the cost of surgery.

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7. Look Into Loans for Specific Cosmetic Surgery Procedures

Different procedures cost different amounts of money.

While a basic nose job might cost $4,500-$6,000, a facelift can cost nearly $17,000.

Before you start looking for financing options to pay for plastic surgery in general, look into specific plastic surgery loans for each procedure you might be considering.

Your doctor’s office should be able to explain these options.

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8. Go Overseas for Your Procedure

Many American citizens travel to other countries for cosmetic surgery and medical procedures.

This is usually because the cost of procedures can be a lot lower overseas.

You might pay pennies on the dollar.

Also, the doctors are just as good as the doctors that do the surgeries in America.

One of the most popular destinations for plastic surgery tourism is Mexico or Costa Rica, where prices can be as low as 10 percent of what you’d pay in America.

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9. Budget and Save Up for Your Plastic Surgery

This is one of the best and most obvious options for financing cosmetic surgery.

If you’ve been saving your money for a down payment on a house, or you have put anything extra toward retirement, use that cash for your surgery instead.

If this surgical procedure is really important to you, then cut expenses elsewhere and save the money.

If you really cut back, you’ll be surprised just how much money you can save and how quickly you can save it.

10. Home Equity Loan

If you have a good deal of equity in your home, then consider taking out a home equity loan.

This money can be used for anything you want. It doesn’t have to go back into your home, so you can use it for surgery.

Just don’t over-extend yourself.

You don’t want to lose your home.

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To Sum it Up:

You do have options when it comes to cosmetic surgery financing. You’ll find that the best place to start is at the doctor’s office. If you don’t find what you’re looking for there, then check out a personal loan or going overseas.

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