So you’ve decided you would like to get plastic surgery and are now facing the large costs that can come along with cosmetic procedures. How are you going to afford the operation? First you need to figure out if your insurance company covers your procedure. The website About.com has an easy guide for personal insurance stating that many companies may cover the cost of surgery if it is considered reconstructive. Any surgery that fixes an issue caused by a defect, trauma, infection or disease is considered to be a reconstructive procedure. Changing the body for someone to improve their self esteem or appearance is considered to be cosmetic surgery and would most likely not be covered. Because these are general definitions and all insurance companies have different guidelines it is important that you check with your provider to find out their policies on plastic surgery. The many gray areas between reconstructive and cosmetic could help you get your operation paid for.
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If you find that your insurance company doesn’t cover the plastic surgery you would like to receive you do have other options. A helpful website called Financing for Plastic Surgery was started by a consumer who wanted to help fellow American’s look for answers on how to fund their procedures. The website offers a lot of insight on how to pay for your operation. One way is to take out a loan. If you are going to try and take out a loan you have to be aware that since it is a personal loan the bank is going to be checking your credit very closely. If your credit is good you can use your loan to pay for the surgery and pay it back over time. Another possibility is getting financing through your doctor because some surgeons work with financing companies and you can pay for your operation through them. If you have a credit card and are getting one of the cheaper surgeries you could also opt to charge your operation. If none of these seem like viable options you could always get out your piggy bank and fund it the old fashioned way: save.
All of these tips are for financing your operation in theUnited States. According to the Plastic Surgery Guide website some people choose to go overseas for cheaper procedures. Places likeIndiaoffer quality service for much cheaper thanAmerica. If you are willing to travel outside of the country you may be able to save some extra money. If you’re hoping to get plastic surgery make sure to check with your insurance first, and then check into loans and what your doctor can offer. Funding your operation can be the most difficult part of getting plastic surgery, but with a little research you can save yourself a big headache and maybe a little money as well.
