Plastic surgery is an investment in your confidence and well-being. However, one of the major concerns among many people is how to find the means to finance it. Though the expense of cosmetic treatments may change depending on the kind of operation, doctor, and area, the excellent news is that there are savvy, practical approaches to managing it. With a modest amount of planning and with proper resources, you may proceed with confidence. Here are 5 practical money-saving advice that you can apply to fund your plastic surgery without straining your budget.
1. Know The Total Cost
You should have a clear picture of the total cost of the procedure before you decide to do anything. This not only implies the surgeon’s fee. Other expenses that you need to consider will be anesthesia, facility fees, medical tests, prescriptions, and follow-up visits. When you attend a consultation, request a written estimate that describes everything. That is how you can prevent any surprises in the future. Some clinics are even able to provide that bundled cost, which means the total cost, which can simplify some of the planning a little bit.
In case you are considering breast augmentation in Virginia, say, the costs can differ contingent on the type of implants and subsequent operations included. An open discussion with your surgeon’s office will assist you in budgeting more accurately.
2. Use Specialized Medical Credit Cards
Medical credit cards are one of the most popular means of paying for plastic surgery. They are not regular credit cards and are commonly intended to cover healthcare costs. These solutions include low-interest or even zero-interest short-term financing, such as CareCredit, available as long as you pay within a predetermined period. You might have these cards applied to several procedures and even the follow-up treatment or products, written down by your surgeon.
3. Combine Procedures to Save Up
Are you at a crossroads to choose between breast augmentation and a tummy tuck? It may be cheaper to go with one immediately, but in case you are interested in having both, why not do it together? The merging of procedures results in striking, fulfilled outcomes with a single recovery process and fewer days out of work. And you will pay operating room and anesthesia charges only once, possibly saving you hundreds of dollars. This can be a clever choice when you are already willing to take a larger step and want to do your utmost to gain profit in time and funds.
4. Consider Personal Loans or Savings
Credit cards, or payment plans, are not right for everyone. You may want to consider getting a personal loan offered by your bank or credit union. The interest rates and the term of repayment of such loans are often fixed, which means that you will be fully aware of your debt and the payment schedule. This is a good alternative in case your credit is good, but you wish to pay off the money with some extension of payment. Always compare rates on loans with different lenders.
Alternatively, in case you are not keen on trekking into debt, you may want to save money gradually beforehand. Open a special savings account and save a bit of money per month. This track is more time-consuming but enables you to proceed without interest and any financial commitments thereafter.
5. Ask About In-House Payment Plans
Several plastic surgery clinics know that budget may be a hurdle, and thus, they can provide in-house financing or payment schemes. That is, you could potentially pay the total cost in smaller, more affordable monthly payments, usually without having to use a third-party lender. There is no harm in asking the office of the surgeon about the payment options they have. They might ask you to pay part of the cost and spread the remainder to pay later. Others may also give you the opportunity to plan payments towards the date of the procedure to prevent paying big sums of money upfront.
Conclusion
Plastic surgery is a personal choice, and the cost of it should not be a setback to how you go about it. You can use a credit program, plan a savings program, or investigate in-house payment plans, but there are numerous opportunities to make your dreams come true. Be patient, make inquiries, and select an option that suits your comfort zone and lifestyle. When your financial planning has been successful, then you will feel comfortable to take the next step and you will be able to concentrate on the big things that are about to happen.