In some cases, reconstructive plastic surgery may be covered by the patient's medical insurance. Getting a cosmetic plastic surgery however may be a procedure that you have to finance yourself using a loan.
Cosmetic plastic surgery is now possible for people who may not have the financial resources. Before we look into those options, let's take a look at what else you should know about financing plastic surgery.
Don't Go for Bargains
Don't be tempted to go for a surgeon who asks for less just because you don't have clear options for financing plastic surgery. This is however, the worst possible mistake you could ever make. Plastic surgery costs are usually steeper if the surgeon who will conduct the procedure is already seasoned and an undisputed expert. An expensive doctor however is also more likely to be a safer option and eventually a more cost effective one. Cheap doctors may also have cheap services that may result in more financing plastic surgery problems because you would have to pay for corrective surgery on a botched up work.
Costs and Plans Vary
The extent of work to be performed, the type of procedure and the region you belong to are also some of the other factors that affect the cost of plastic surgery. Doctors and clinics will also therefore have different payments schemes or offers for financing plastic surgery. You would have to discuss this aspect as extensively as the procedure itself. Be warned that there may also be hidden costs or miscellaneous fees that you may not have asked about and may not be included in offers for financing plastic surgery.
No Plan Scheme
Some clinics and plastic surgeons don't allow financing plastic surgery or will not allow you to present loan or installment plans. Some patients may not immediately realize it but such a policy may be as much for the patient's advantage as it is theirs. This is because such a strict policy will ensure that a patient can truly afford the procedure and its corresponding after surgery costs.
Some clinics will even ask for a complete payment before a procedure to secure patient assurance. This may be potentially dangerous though especially if accidents happen.
Finance Companies and Banks
Some banks and several finance companies now provide options for financing plastic surgery. Individuals can now fill up forms for approval to cover cosmetic plastic surgery. Most companies will tell you that they have affordable and flexible rates but the truth is that applying for a loan may be a little more difficult than imagined especially in banks.
A loan for plastic surgery is actually unsecured by collateral. This means that a bank or company may have to meticulously investigate your credit history and report to find out if you are capable of paying. Even if you do pass an application for financing plastic surgery, some companies may have higher interest rates than others simply because it is their only security if you are suddenly unable to pay.
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