Plastic surgery, or any surgery, is not cheap. Liposuction prices range from $1,000 up to $35,000 which is more than most people can afford up front. Of course it depends on a variety of factors such as the surgeon fee, the area to be treated and the type of treatment but even minimal facial liposuction will cost thousands. But as with almost any large purchase, there will be someone out there willing to make the loan and offer financing so long as the client is able to show some credit history. If you choose to finance, don’t forget to add in the cost of financing to the total liposuction price.
During the consultation session that all patients will go through before the actual liposuction procedure, many patients are surprised first by the final price quote for liposuction and second by the fact that many clinics offer in house financing. They usually can approve almost anyone who meets minimal credit requirements. The benefit of this type of financing is that the doctor understands the patient’s needs and budget. The downside is that the interest rates tend to be through the roof and even credit card cash withdrawals will beat the rates in house financing could offer.
If the clinic doesn’t carry financing in house, almost every surgeon has working relationships with local financing companies with whom they can refer patients. These financing companies are used to receiving referrals from the liposuction surgeon and are experienced in working out fair and manageable payment plans for almost any budget.
Health Care Finance (registered) by Capital One will extend a line of credit to anyone who meets their minimum credit requirements.
Since most health insurance plans won’t cover cosmetic enhancement procedures, there are companies designed especially for people with health insurance.
One big player in this specific niche is Credit Care. They will finance a liposuction bill that is within the range of $1,500 to $25,000.
Because most health insurance plans don’t cover the liposuction procedure and the liposuction price is usually more than most people can cover in a single payment, many people never take the next step to set up consultation with a surgeon. Or worse they begin to shop for a surgeon who may be less qualified but within their price range. The important thing is that while debt is not recommended, it is much worse to risk your health with an under experienced surgeon.