Breast Augmentation: Finding Financing For The Surgery

This is why there are so many anecdotal stories of women having their surgeries paid for by rich men. Of course, this isn’t in a lot of women’s interests, either. So what are your choices when it comes to financing such a procedure?

Unfortunately, even if you have health insurance (which you must, as very few surgeons would agree to perform breast augmentation surgery on a patient who doesn’t), it is unlikely to cover even a portion of the costs. Implants are seen as an entirely elective form of surgery, with no health benefits that would compel a health insurance company to cover the payment.

This leaves the patient with the prospect of paying for a moderately expensive surgery by themselves. Naturally, many woman go bargain shopping when confronted with this fact, but this is one of the worst possible ideas. Even if the price tag on a good surgery is beyond your immediate reach, you don’t want to entrust your health, safety, and appearance to someone who is performing cut rate procedures.

On the other hand, there is nothing wrong with looking for surgeons and clinics that offer direct financing for their patients. This is becoming increasingly common. As long as you have good credit, you should be able to get financing through such a clinic and this will break your payments down into installments, which may be much more manageable than coming up with the full amount up front. If you can’t find such a clinic, talk to your bank. They may be willing to offer you a personal loan that will cover part or all of the costs. In most cases, you won’t have to tell the bank what you’ll be using the money for.

Of course, if you have the means, you could always use a credit card as your primary means of payment, but this is typically not the best plan. Credit card financing rates are usually not particularly favorable to the customer, meaning you’ll pay much more in interest than you would with several other options. If you feel confident in your ability to pay the balance off rather quickly and you don’t have another option, it could make sense, but otherwise use it only as a last resort.

Finally, there is the option of waiting it out and saving the money yourself. This is the most financially responsible method, though it may not be the most fun. If you can save the money in a reasonable amount of time, however, you will at least have the comfort of knowing your breast augmentation surgery is fully paid for when you leave the operating room.