Plastic surgery is almost always an elective surgery unless there is an underlying medical reason. As such, your medical insurance is probably not going to cover it, which means you must.
Paying for Your Plastic Surgery
Unless you can make some unique argument to your health insurance company, it is going to refuse any claim you submit related to plastic surgery. If you read the tiny boilerplate language in your health insurance policy, and it is tiny, you will find it only pays for medically necessary surgery. The terminology differs by policy, but the basic idea is you have to have a note from a doctor indicating the surgery is pivotal for your overall health. Feeling better about your appearance is not a medically necessary basis!
Like most medical procedures, plastic surgery is not cheap. Simple botox injections can run a couple of hundred bucks, but most significant procedures are going to run a couple thousand dollars at a minimum. Simply put, you need to give some thought regarding paying for the procedures.
The simplest way to handle the cost of paying for plastic surgery is to save up some money and pay in cash. Your surgeon will love you because cash is king, even in plastic surgery. Alternatively, you can also break out a credit card with a high limit and charge it. Ah, plastic paying for plastic surgery. Surely there is some metaphysical message there!
In a capitalist economy, there is always a company looking for opportunities. In the world of plastic surgery, more than a few companies offer financing for your procedure. The financing is in the form of an unsecured loan. These lenders will finance all or part of the cost of the procedure, but you should pay close attention to the fine print. Interest rates can be similar to credit cards, which means you end up paying a lot more in the long term.
Some physicians accept this form of payment while others do not because of limits put on the payment amount by the companies. Essentially, the companies demand the doctor take less than the normal fee, much as health insurance companies do with most medical professionals. Physicians hate these caps and some simply will not put up with it. Point being, make sure the surgeon in question accepts this form of payment before going through the application process.
For most people, the best option for paying for plastic surgery is the old savings account. Since Americans are infamously bad savers, you may want to check out the other options available.