If you have a medical insurance, it covers reconstructive surgery after an accident or an illness. Cosmetic surgeries are in no way will be covered by your insurance provider. Fortunately, there are several financing options you may consider to pay off the steep cost of plastic surgery.
1. Save and pay in cash.
The best way to settle the bill for your surgery is to save every month until you have enough to pay the surgery cost. This way you won’t need to go on the merry-go-round just to satisfy your want then later suffer the consequences.
2. Pay using your regular credit card.
It’s understandable that you use your existing credit card to pay off your cosmetic surgery bill. Note that different procedures and doctor’s fees vary.
3. Take out a home equity loan and pay the cost of your surgery from a portion of your loan.
This is a common form of secured financing where you can use your house as collateral for the loan. Computation of the loan interest will be based on current mortgage rates.
4. Apply for a car loan and use a portion of the loan to finance your cosmetic surgery procedure.
You can trade in your existing vehicle and buy another at a lesser cost than what you owe on the previous car. You can use the remaining balance to finance your plastic surgery bill.
5. Take out a medical credit card.
Medical credit cards are designed to pay out-of-pocket health care costs. They are like regular credit cards, but can only be used for medical purposes. Applying for one is relatively easy and sometimes comes with 0% promotions and lower interest rates. As always research and compare service providers before deciding where to get one.
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