Plastic Surgery Financing: How to Pay for Cosmetic Procedures

Cost is one of the biggest barriers to pursuing plastic surgery. While cosmetic procedures are rarely covered by insurance, a range of financing options make them accessible to a broader audience. This guide covers every major financing avenue so you can find the approach that works best for your budget and financial situation.

Financing Options Compared

Steps to Finance Your Procedure

1. Get an itemized quote: Know the total cost including surgeon fees, anesthesia, facility, garments, and follow-up visits.
2. Check your credit score: Your score determines which financing options and interest rates are available to you.
3. Compare multiple options: Do not default to the first option your surgeon's office presents. Compare rates across CareCredit, personal loans, and in-house plans.
4. Read the fine print: Understand promotional period end dates, what happens if you miss a payment, and whether interest is deferred or waived.
5. Create a repayment plan: Budget specific monthly payments and set up automatic payments to avoid missed deadlines.
6. Consider saving first: If you can wait 6-12 months, saving the full amount avoids interest charges entirely.

When Insurance May Cover Procedures

• Rhinoplasty for breathing issues: If a deviated septum impairs breathing, the functional component may be covered.
• Breast reduction for medical necessity: Chronic back pain, nerve damage, or skin conditions caused by large breasts may qualify.
• Eyelid surgery for vision impairment: When drooping lids obstruct the visual field, blepharoplasty may be covered.
• Post-mastectomy reconstruction: Federal law requires insurance to cover breast reconstruction after mastectomy.
• Repair of congenital deformities: Conditions like cleft lip, microtia, or Poland syndrome are typically covered.

Visualize Before You Finance

Before committing financially to any procedure, see what your results could look like. Our free AI simulator lets you upload your photo and preview realistic outcomes, helping you feel confident that the investment is worthwhile.

Preview Your Results Today

Use our AI-powered plastic surgery simulator to visualize how different procedures will look on you before making any decisions.