How To Easily Pay For A Plastic Surgery Procedure

  • Prerna Banwait
  • August 21, 2023
How to Easily Pay for a Plastic Surgery Procedure

If you can pay out-of-pocket, you won’t have to borrow more. Find out how you can pay for plastic surgery if you have bad credit.

Types Of Cosmetic Procedures

1. Botox Injections

Botox injections are a popular non-surgical cosmetic procedure that reduces the appearance of wrinkles and fine lines. The practitioner inserts the injections into the muscle, and Botox temporarily paralyzes the muscle, reducing the appearance of wrinkles. Botox is a fast, minimally invasive procedure that requires no recovery time, and the effects typically last three to six months.

Botox Injections Cost

2. Dermal Fillers

Dermal fillers are similar to Botox and non-surgical, but instead of relaxing the muscle, they work to fill in wrinkles and fine lines. Dermal fillers typically consist of hyaluronic acid, a natural substance found in the skin. Dermal fillers often help to plump up the lips, add volume to the cheeks, and fill nasolabial folds. The effects of dermal fillers typically last from six months to a year.

3. Liposuction

Liposuction is a surgical procedure to remove excess fat from specific body areas. This procedure commonly addresses areas such as the abdomen, hips, thighs, and arms. Liposuction requires the patient to be under general or local anesthesia, with a recovery period of several days to a week.

4. Breast Augmentation

Breast augmentation is a cosmetic procedure that increases the size of the breasts. This procedure commonly uses silicone or saline breast implants placed either under the breast tissue or behind the chest muscle. Breast augmentation typically includes general anesthesia and requires a recovery period of several days to a week.

5. Rhinoplasty

Rhinoplasty, also known as a "nose job," is a cosmetic procedure that helps reshape the nose. This procedure can address issues such as a bump on the bridge of the nose, a drooping tip, or a deviated septum. Rhinoplasty also requires general anesthesia and a recovery period of several days to a week.

6. Facelift

A facelift is a cosmetic procedure that addresses the signs of aging on the face and neck. This procedure works by removing excess skin, tightening loose muscles, and repositioning the fatty tissues to create a more youthful appearance. A facelift requires the patient to be under general anesthesia and includes a recovery period of several days to a week.


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From Botox injections to facelifts, a wide variety of cosmetic procedures are available to address specific concerns and improve different aspects of a person's appearance. It is essential to do comprehensive research and consider the risks and benefits of each procedure before making a decision.

How To Pay For Plastic Surgeries & Procedures?

While cosmetic procedures can be life-changing, they can also be quite expensive, making it difficult for many people to pay for them. Here are the best ways to pay for plastic surgery procedure financing options to consider when you don’t have the money to pay upfront.


In some cases, insurance may cover some or all of the costs associated with cosmetic procedures. For example, insurance may cover the cost of the process for a medical reason, such as to fix a deformity or to correct a functional issue. However, it is essential to note that insurance typically does not cover cosmetic procedures purely for aesthetic reasons.

If you are considering a cosmetic procedure, speak with your insurance provider to determine what is covered and what is not. You should also consult your doctor to find out if they have any recommendations for insurance providers more likely to cover your specific procedure.

Medical insurance for plastic surgery

Financing Options

Many financing options are available for those who do not have insurance or insurance coverage for their desired procedure. These financing options can help you pay for the procedure over time rather than coming up with the entire cost upfront. 

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Several healthcare financing companies specialize in helping people pay for cosmetic procedures. These companies work with doctors and clinics to provide financing options tailored to the specific procedure and patient. Some companies may even offer unique healthcare payment plans, such as interest-free or extended payment plans, to help make cosmetic procedures more affordable.

Some clinics use financing platforms to provide their patients with the best possible flexible financing options. For example, Credee offers flexible patient financing options so that cosmetic procedures are more affordable.

Another popular financing option is a personal loan. You can obtain a personal loan from banks, credit unions, and online lenders. They are usually unsecured, meaning you do not have to give any collateral. Personal loans typically have lower interest rates, making them an attractive cosmetic surgery financing option.

Another alternative is to use medical credit cards to pay for your plastic surgery procedure. This can be a good option if you have good credit and can obtain a low-interest credit card. However, it is crucial to be mindful of the interest rates and fees associated with credit cards. They can be high, particularly if you do not pay off the balance each month.

Patient Financing Options


Another option to consider is to save up for your cosmetic procedure. This can be a good option if you have the time and discipline to put aside money each month and save enough to cover the entire procedure cost.

When saving up, it is essential to consider the cost, the amount you can save each month, and how long you are willing to wait for the procedure. You should also consider the interest rate you can earn on your savings, as this can help you reach your goal more quickly.

Combination Of Options

Finally, it is also possible to use a combination of options to pay for your plastic surgery procedure. For example, you may use savings, financing, or insurance to cover some of the costs and a personal loan to cover the remainder.


It is essential to consider your financial situation and goals when deciding which combination of options is right for you. You should also consult your doctor and financial advisor to ensure that you make the best decision for your specific situation.

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