It Costs HOW MUCH?
One of the unavoidable aspects of cosmetic surgery is the associated cost. No matter how much better a procedure may make your life, cosmetic surgery is often not covered by insurance. That is, unless the procedure is deemed medically necessary. Because of this, most people have to pay cash or seek financing options for their cosmetic procedures.
If you are researching getting cosmetic treatment done and you live on a budget, it is helpful to know how much you will be spending beforehand so you can save your pennies and make the best financial decision.
What am I Paying for?
The cost of plastic surgery and cosmetic treatments are usually based on four factors: region where the procedure is performed, surgeon’s fee, facility fee and anesthesia.
Fees that are region dependent are non-negotiable. You will pay more for cosmetic surgeons in the north east and western United States than south of the border. Many people are flying to India to have procedures done because the cost of the trip and the procedure is less than having it done in the states.
Surgeons that are in high demand, are better trained and more highly skilled are naturally going to cost you more. Though not one hundred percent of the time, you get what you pay for – these more expensive surgeons generally give high quality care and carry a lower risk of complication. That, to me, is worth the extra dollars. But do your homework! Just because they cost more is not a full proof guarantee that they are the best!
Facility fees are based on where the procedure is done. More extensive or complicated procedures must be done in a hospital, and this will cost you more than an outpatient procedure. In addition, if you require an overnight stay or longer, this will quickly add up to large recovery costs.
Anesthesia is also a big factor in the cost of cosmetic surgery. Procedures that are done with local anesthesia and a sedative are going to be a lot less money than procedures that require general anesthesia. General anesthesia means that you are totally asleep and requires an anesthetist to ensure you are not going to be aware during the procedure and that you will wake up at the end. Again – not a good place to scrimp.
Payment Options
Check with your health insurance carrier to see if they cover any procedures. Reconstructions (after injury or mastectomy) may be covered in part or whole.
See if you can reimburse your procedure from your health savings account.
Talk with your surgeon about financing. Oftentimes, there are financing plans available that have excellent rates. Monthly payments are dependent upon the amount financed, the length of the loan and your credit score. You may find that a different credit option, such as a home equity line of credit may give you better terms. If you do go with a plastic surgery financing plan, make sure the surgeon you choose is covered under the plan.