Otoplasty (Ear Surgery) Financing

Otoplasty can solve a range of problems with the ears, from lifelong self-consciousness stemming from large, protruding ears to ear deformities caused by congenital conditions. Since cosmetic ear surgery generally costs between $2,500 and $5,000, you may find it necessary to explore financing options for the procedure. Payment options vary from surgeon to surgeon; however most reputable ear surgery practices offer some type of financing. The following information may help you in determining ways to pay for your surgery.

Otoplasty Payment Options

Generally, cosmetic surgery practices accept payment for otoplasty by way of cash, check, or credit card. Many of them also provide a variety of methods to finance the procedure. Finance companies can offer the means of paying off your surgery in monthly installments with low interest rates. One of the more popular financing options is CareCredit®, a flexible payment program designed to help with healthcare expenses. Capital One® Healthcare Finance is another finance company frequently used by cosmetic surgeons that can offer low-interest payment plans to patients.

Insurance companies normally don't provide coverage for cosmetic ear surgery, unless the procedure is done to correct a congenital deformity. However it never hurts to at least check with your insurance provider and/or have your doctor write a letter to them explaining your case.

How Does Otoplasty Financing Work?

Many surgeons contract with finance companies in order to help patients pay for their procedures. These companies can often customize a payment plan that will allow you to make affordable payments. CareCredit® offers up to $25,000 in loans to assist you with paying for your procedure, and Capital One® Healthcare Finance offers financial plans for procedures the cost more than $1,500 and less than $25,000, with a payment plan designed to fit your budget. Prospective patients should ask about financing options when conducting their research into surgical practices, or at their initial ear surgery consultation.

How Do I Apply for Financing?

Most finance companies offer online applications for financing, as well as mail-in applications and telephone contacts. Many otoplasty physicians offer assistance with finding financial companies and may also be able to expedite the processing of an application. Remember, regardless of credit history, patients should always inquire about their options.

Talk to a Plastic Surgeon about Otoplasty Financing

Ear surgery is a common method of eliminating problems with the shape of the ears. The many types of otoplasty surgery, including reconstructive ear surgery, can be pricey, but a variety of financing options are available. Contact ear surgery specialists in your area to discover what kinds of financing they may offer.