Tummy Tuck Financing

Although abdominoplasty costs can seem high, the results are well worth the cost for many people. Recognizing the need to make tummy tuck costs more affordable to a wider range of patients, tummy tuck surgeons are becoming increasingly open to offering abdominoplasty financing options. Tummy tuck financing can be provided by your credit card or a loan company.

Abdominoplasty Payment Options

Most cosmetic surgery offices accept credit cards, cash, and checks as forms of payment. If you need to finance your abdominoplasty costs by other means, you can find out which tummy tuck financing options your surgeon offers, and/or you can research outside sources of financing. Some surgeons allow payments for tummy tuck costs to be spread out over a term of months or even years. Don’t let tummy tuck prices prevent you from doing something that can dramatically improve both your appearance and your self-image.

How does abdominoplasty financing work?

Many cosmetic surgery practices require abdominoplasty patients to cover the costs for their tummy tuck surgery in one lump sum prior to undergoing surgery. While this is a necessary practice to ensure that all facility costs are paid during surgery, many patients find lump sum payment of all tummy tuck costs to be prohibitive. In recent years, however, abdominoplasty and other cosmetic surgeries have become more affordable because of the increased availability of financing options. Many cosmetic surgery practices now accept credit cards, and many patients are taking advantage of this option. Some patients, however, do not have high enough credit limits for this to be a tenable option while others prefer to use their credit cards only for smaller purchases. Check with your credit card company before deciding to charge your entire surgery. Some credit card companies have special programs with lower interest rates for patients attempting to pay for cosmetic surgery. If you uncertain whether using your credit card to pay for your tummy tuck costs is the right course of action for you, compare the interest rates of your credit card to the interest rates you would be paying if you sought another source of financing.

The other popular method of tummy tuck financing is to take out a loan. Some loan companies specialize in helping people pay abdominoplasty and other cosmetic surgery costs. Different loan centers offer different repayment options, including payment deferment and no-interest periods. Whatever the conditions of your loan, be sure that your contract specifies a fixed interest rate, or your interest may go up over time. Before signing any agreement, you should have a clear understanding of how frequently you will need to make payments, how large the payments will be, whether your payment amounts will change over time, and how much time you have to repay. During your initial consultation with a surgeon, don’t hesitate to raise the issue of abdominoplasty financing as he or she may be able to recommend a reputable loan company. Even if a financing program has not been established at your surgeon’s practice, your surgeon may still be able to offer you helpful advice on this subject.

Will financing cover all costs associated with the tummy tuck procedure?

If you are using a credit card to finance your loan, then the amount that is covered will depend on your credit limit. If you are taking out a loan, the abdominoplasty procedure costs you will have to pay out of pocket will depend on the loan company you are using for your abdominoplasty financing and the conditions of your contract. Some loan companies that specialize in funding elective surgery work directly with your surgeon during each stage of your tummy tuck surgery. Their loan representatives determine your surgical, and sometimes even post-surgical, medical costs, and all you have to do is begin making monthly payments at the agreed upon time. Don’t assume that your loan company will handle all of the details for covering your abdominoplasty costs. Discuss this issue with the loan company directly before you agree to take out a loan.

Some loan companies prefer to agree on a loan amount initially based on the cost estimate provided by your surgeon. If the estimate turns out to be inaccurate, you may have to pay the remaining costs. Many loan companies have limits on the amount of money you can borrow based on the procedure you wish to have performed. Given the variability of tummy tuck costs, this may present a problem if the work you wish to have done is particularly difficult or extensive. Talk to different loan companies and determine the amount that each is willing to put forth towards your tummy tuck financing.

How do I apply for financing?

When filing for a loan, you may be asked to complete a pre-qualification worksheet before filling out the application proper. It is becoming increasingly common for companies to make these forms available online, and you’ll often be able to find out if you were approved within minutes. If you prefer not to submit an online form or if one is not available, then you can usually call or e-mail the company with your mailing address so that they can send you a paper form. If the company has a local branch, you can also visit the loan office in person, though more and more patients are using loan companies in other states and corresponding entirely by web, phone, and mail.

If abdominoplasty financing is offered by your cosmetic surgeon, then this usually means that your surgeon’s practice has chosen a loan provider that they trust and are used to working with. You do not have to use the loan company that your surgeon prefers, but if your surgeon has developed a rapport with the company, you may be able to get a better deal simply by virtue of being one of his or her patients. If your surgeon provides you with the loan application form, you may be able to return it to your surgeon so that he or she can then pass it along to the loan company.

Locate a Tummy Tuck Surgeon to Learn More about Costs and Financing

Abdominoplasty costs are patient and procedure specific, so the only person who can give you an accurate quote for your procedure is a tummy tuck surgeon. Costs for tummy tucks and other cosmetic surgeries may seem high, but the results generally justify the expense. Fortunately for prospective abdominoplasty patients, tummy tuck financing may help to make the procedure more affordable. For more information contact a tummy tuck surgeon in your area today.