Cosmetic surgery tends to cost more than most people can afford. Liposuction prices average from $1,500 to as much as $15,000 depending on the area to be treated. However there is more than one way to pay for the liposuction procedure and not all of it has to be upfront. Most surgeons will either finance the procedure themselves or often will refer patients to financing companies. There are also specialized companies who make it their business to finance plastic surgery costs.
Many clinics will have programs to carry the financing in house for clients who meet certain minimum credit requirements. While this is an available option, it usually is the more expensive way to finance. Ridiculously high rates make this a bad choice for anyone who has the credit history to get financed anywhere else. And if you are not financially stable enough to qualify anywhere else then maybe this purchase should be put off for another time.
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.
There are companies that specialize in financing cosmetic enhancement costs that are not covered by health insurance plans.
Credit Care is one large company that fits this bill and will cover expenses up to $25,000 where health insurance plans won’t. Speak with a representative to determine whether you qualify for a line of credit and what the payment amounts and terms they have available for your situation.
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.