While getting plastic surgery might be something you’re determined to do, most people find that this isn’t an easy financial pill to swallow. Especially if the plastic surgery you’re getting is for purely cosmetic purposes, you might find yourself having a hard time coming up with the funds you need to get this surgery done.
Luckily, with some creative thinking and a little financial know-how, you can find ways to get your plastic surgery done without having it destroy your financial future or leave you with large amounts of debt.
To help you see how this can be done, here are three smart ways to pay for your plastic surgery.
See What Your Health Insurance May Cover
If you have health insurance, one of the first things you should do is find out if your insurance will cover any part of your future surgery.
According to Mila Araujo, a contributor to The Balance, some of the qualities that will determine if your medical insurance will cover any of your surgery is if your surgery is considered to be cosmetic, if it will be reconstructive in nature, or if it will help your body function or give you a better quality of life. Depending on the type of health insurance you have and the answers to these questions regarding the way your prospective surgery is defined, you may be able to have your insurance pay for at least part of your surgery.
Even if you doubt that your insurance will cover you for your surgery, there’s really no harm in asking. You could find yourself being pleasantly surprised.
Save Your Pennies
Once you know how much you’re going to have to pay out-of-pocket for your plastic surgery, the best financial option would be for you to be able to pay for your entire surgery before you ever go under the knife.
In order for you to do this, you’ll likely have to start saving well in advance. If you find, however, that you can easily afford to save a big chunk of this money each month, Emma Johnson, a contributor to CreditCards.com, shares that you might want to just set up a payment plan with your doctor. By doing this, especially if you can get a payment plan with zero-interest for a period of time, you could have your surgery sooner and still not go into debt in order to do so.
Be Careful When Putting It On A Credit Card
If you can’t imagine saving up all the money beforehand and aren’t able to try other financial options, you may want to look into putting your medical bill on a credit card. While not ideal, this could work for you.
Keep in mind, however, that you’ll want to be very careful when doing this. According to Claire Tsosie, a contributor to NerdWallet.com, you’ll want to be sure that you’re minimizing your costs by having a low APR, minimal annual fees, and a higher credit limit.
If you’re wanting plastic surgery but aren’t quite sure how you’ll pay for it yet, consider using the tips mentioned above to help you figure this out.