Breast augmentation can add up to a hefty sum which may be difficult for the average person to pay. But, there are many breast augmentation financing options and information which you need to be aware of before scheduling your cosmetic surgery.
Your Insurance may not Cover You
Health insurance does not usually cover elective cosmetic procedures. Breast augmentation falls into that category. An exception is when the surgery is concerned with breast reconstruction after severe chest trauma or a mastectomy.
Read the Small Print
Health insurance varies from company to company so make sure to read the entirety of the contract to see exactly what your insurance can cover. Breast augmentation, like all major surgeries, is a conglomeration of many fees. This includes the anesthesia, the implants themselves, the surgeon's fee and the operative care before and after the surgery. Now your insurance could cover the anesthesia or the post operative care even if it does not cover the cost of the breast augmentation surgery itself. Call your company to inquire about their policies involving breast augmentation. You may be able to use your health insurance in addition to other breast augmentation financing plans to pay for additional charges.
The CareCredit® Option
CareCredit® is an ideal choice for breast augmentation financing. It is a finance program centered on healthcare for individuals with no insurance or for those who will undergo procedures which are not covered by their health insurance. CareCredit® works by giving you a revolving credit which can amount to $25,000. A revolving credit requires you to pay a commitment charge after which you are allowed to spend the money as you see fit for any type of medical procedure. The payment plans are customized to fit the client's current needs and situation.
Financing with Capital One® Healthcare Program
Capital One® allows breast augmentation financing without using credit cards. In addition, this finance program offers a lower rate than most credit companies and more flexible payment plans. They permit their clients to repay the loan for up to 5 years. This ensures that you don't have to break your back or compromise your way of living to pay for a cosmetic procedure.
Ask your Surgeon
Many medical facilities have their own finance programs for procedures that are not covered by health insurance. Ask about their installment plans and payment terms. Your monthly payments will depend upon your credit rating, the estimated period where you are expected to fully pay the loan and the price of the surgery itself.
There is no need to worry about breast augmentation financing as long as you are careful and smart in choosing which finance plan to subscribe to. Medical facilities will give you application forms for their payment programs upon request. All major finance companies offer online application forms that you can easily fill up and submit. Securing an avenue for payment allows you to focus on more important things. Just like the credentials of your surgeon, the reputation of the medical facility and the type of breast augmentation procedure ideal for you.
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