Most people can’t afford to cover the price of liposuction in full and therefore automatically count themselves out as potential patients. But as anyone can imagine, any large purchase can be financed. Although it is not recommended to go into debt to serve our personal whims, some people truly believe that the procedure would make them happier. It is especially important for such people to understand that they should be shopping for a quality and certified surgeon, not for a low priced surgeon.
Many clinics will have programs to carry the financing in house for clients who meet certain minimum credit requirements. While this is an available option, it usually is the more expensive way to finance. Ridiculously high rates make this a bad choice for anyone who has the credit history to get financed anywhere else. And if you are not financially stable enough to qualify anywhere else then maybe this purchase should be put off for another time.
If you ask, most surgeons have working relationships with their community financing companies and will refer patients who want financing from external sources. These financing companies are used to receiving patients from local surgeons and will work with you to develop a payment plan to fit almost any budget.
Health Care Finance (registered) by Capital One will extend a line of credit to anyone who meets their minimum credit requirements.
Since most health insurance plans won’t cover cosmetic enhancement procedures, there are companies designed especially for people with health insurance.
Credit Care is one large company that fits this bill and will cover expenses up to $25,000 where health insurance plans won’t. Speak with a representative to determine whether you qualify for a line of credit and what the payment amounts and terms they have available for your situation.
Because most health insurance plans don’t cover the liposuction procedure and the liposuction price is usually more than most people can cover in a single payment, many people never take the next step to set up consultation with a surgeon. Or worse they begin to shop for a surgeon who may be less qualified but within their price range. The important thing is that while debt is not recommended, it is much worse to risk your health with an under experienced surgeon.
