Financing

If you’re considering plastic surgery financing to cover cosmetic procedures and transform your appearance, you’re not alone. Whether it’s a breast augmentation, rhinoplasty, or another elective surgery, exploring financial solutions for your aesthetic goals can help make these treatments more accessible.

At our practice, we offer a variety of financing options to help you start your journey of achieving the body of your dreams. This guide will help you understand the options you have available to you. Dr. Placik will also go over payment options during your initial consultation.

Below, we have compared popular financing programs such as Cherry Financing, Prosper Healthcare Lending, CareCredit, and Alphaeon Credit. Our goal is to empower you with the information you need so you can confidently take the next step.

If you’re considering plastic surgery financing to cover cosmetic procedures and transform your appearance, you’re not alone. Whether it’s a breast augmentation, rhinoplasty, or another elective surgery, exploring financial solutions for your aesthetic goals can help make these treatments more accessible.

At our practice, we offer a variety of financing options to help you start your journey of achieving the body of your dreams. This guide will help you understand the options you have available to you. Dr. Placik will also go over payment options during your initial consultation.

Below, we have compared popular financing programs such as Cherry Financing, Prosper Healthcare Lending, CareCredit, and Alphaeon Credit. Our goal is to empower you with the information you need so you can confidently take the next step.

Can You Use Insurance for Plastic Surgery?

Many people ask if health insurance will cover their plastic surgery procedure. This largely depends on whether your procedure is deemed medically necessary (e.g., reconstructive surgeries for trauma or congenital conditions) versus purely cosmetic (facelifts or tummy tucks).

• Medically necessary: Often covered at least partially by insurance, provided you meet specific criteria such as documented functional impairment.
• Elective cosmetic procedures: Typically not covered by most health insurance plans unless there is a medical component.
• If unsure whether your procedure qualifies, check with your insurance provider. Documentation, letters from your surgeon, and pre-approval can help clarify what is or isn’t covered.

Exploring Key Financing Choices

If you’re interested in elective cosmetic surgery, there are several financing options that allow you to make payments and create an affordable solution to move forward with surgery. Below are some financing choices:

Cherry Financing

Cherry Financing offers quick approvals and flexible payment plans for elective procedures like plastic surgery. Applying typically involves:

• Short online application with instant approval decisions.
• Flexible installment plans, often with low monthly payments.
• Minimal impact on credit checks in some cases.

Prosper Healthcare Lending

Prosper is designed specifically for healthcare expenses, including cosmetic and reconstructive surgeries. Key features include:

• Competitive fixed rates over the life of the loan.
• No prepayment penalties, allowing you to pay off early.
• Straightforward online application with quick decisions.

CareCredit

One of the most recognized names for health and beauty financing, CareCredit provides flexible monthly payment plans for cosmetic procedures.

• Apply for a CareCredit Card
  Head to CareCredit’s website and fill out a simple application to get approved in minutes.
• See if You Pre-Qualify for CareCredit
  Check potential eligibility without impacting your credit score.
• Estimate Your CareCredit Monthly Payment
  Use their online calculator to determine how much your monthly payments might be.
• Make Your CareCredit Payment Online
  Conveniently manage your balance, set up auto-pay, and review statements online.

Alphaeon Credit

Alphaeon Credit is another popular option specifically designed for plastic surgery and dermatological procedures.

• Alphaeon Benefits
  Competitive rates, promotional financing offers, and flexible monthly payment terms.
• Estimate Your Monthly Alphaeon Payments
  An online calculator helps you gauge what you can expect monthly pay.
• Find Out If You Pre-Qualify for Alphaeon (No Impact on Credit Score)
  Helps you explore available financing without a hard credit check.
• Pay Alphaeon Online
  Securely make monthly payments and keep track of your balance.

Plastic Surgery Financing FAQs

Does your practice offer payment plans?

While we do not provide in-house payment plans, we work with third-party lenders to help patients spread out payments.

Can you take out a loan for cosmetic surgery?

Absolutely. Loans are available through banks, credit unions, and specialized healthcare lenders. Research interest rates, terms, and fees before committing.

What is a plastic surgery loan?

A plastic surgery loan is a personal loan designed to cover the costs of cosmetic or reconstructive procedures. Terms vary based on your credit score and the lender.

What are cosmetic loans?

“Cosmetic loans” is another term for financing specifically tailored for elective procedures. They typically function like personal or medical loans.

Can I get a rhinoplasty with payment plans?

Yes. Rhinoplasty is a common procedure that can be financed through plans like Cherry, CareCredit, Prosper, or Alphaeon.

Can you finance cosmetic surgery?

Yes. Patients routinely finance cosmetic surgeries to manage costs without depleting savings. Lenders offer a variety of payment terms.

What is CareCredit for plastic surgery?

CareCredit is a specialized credit card providing healthcare financing, including plastic surgery costs, often with promotional no-interest periods.

How hard is it to get CareCredit for plastic surgery?

Approval depends on your credit profile. Many applicants with a fair or better credit score find success. Always check pre-qualification options.