10 Ways to Afford Plastic Surgery: Expert Tips and Payment Options

As a plastic surgeon with years of experience, I have seen firsthand the transformative effects of cosmetic surgery on my patients. However, one of the most common concerns that people have is how they can afford such procedures. In the past, it was believed that plastic surgery was only for the wealthy and famous. But with advancements in technology and financing options, cosmetic improvements are now more accessible to the average American.

In this article, I will discuss 10 payment options that can help make your dream of plastic surgery a reality.

1.Personal Loans

One of the most popular ways to finance plastic surgery is through a personal loan. This option allows you to borrow a lump sum of money from a bank or credit union and pay it back over time with interest. The advantage of personal loans is that they often have lower interest rates compared to credit cards, making them a more affordable option in the long run. If you are considering a personal loan, I recommend researching different lenders to find the best interest rates and terms. Some reputable lenders to consider are LightStream and Upgrade, both of which offer competitive rates and flexible repayment options.

2.Credit Cards

Another common way to finance plastic surgery is through credit cards.

This option allows you to pay for your procedure upfront and then make monthly payments towards your balance. While credit cards may offer convenience and rewards, they often come with high interest rates, so it's important to carefully consider this option before using it. If you do decide to use a credit card, I recommend choosing one with a low interest rate and no annual fees. Additionally, some credit cards offer promotional periods with 0% interest for a certain amount of time, which can be beneficial for financing your surgery.

3.Medical Credit Cards

Medical credit cards are specifically designed for healthcare expenses, including plastic surgery. These cards often offer promotional periods with 0% interest and flexible repayment plans.

However, it's important to read the fine print and understand the terms and conditions before signing up for a medical credit card. Some popular medical credit cards include CareCredit and Alphaeon Credit, both of which offer financing options for cosmetic procedures. Just be sure to pay off your balance within the promotional period to avoid high interest rates.

4.Payment Plans

Many plastic surgery practices offer payment plans to help patients finance their procedures. These plans allow you to make monthly payments directly to the practice, often with little to no interest. However, not all practices offer payment plans, so it's important to inquire about this option before scheduling your surgery. If your chosen practice does offer payment plans, be sure to ask about any fees or interest rates that may apply.

It's also important to stick to the agreed-upon payment schedule to avoid any penalties or additional charges.


If you have been saving up for your plastic surgery procedure, this can be a great way to finance it without incurring any debt. However, it's important to carefully consider how much of your savings you are willing to use for this purpose. I recommend discussing your options with a financial advisor before using your savings for cosmetic surgery. They can help you determine if it's a wise financial decision and provide guidance on how much you should spend.

6.Retirement Funds

Some retirement accounts, such as 401(k)s or IRAs, allow you to borrow money from them for certain expenses, including medical procedures. While this may seem like a convenient option, it's important to remember that you will be taking money out of your retirement savings, which can have long-term consequences. If you do decide to use your retirement funds, be sure to consult with a financial advisor and understand the potential impact on your future savings.

7.Medical Tourism

Medical tourism, or traveling to another country for medical procedures, has become increasingly popular in recent years.

This option can be more affordable for some people, as the cost of plastic surgery in other countries may be lower than in the United States. However, it's important to thoroughly research the credentials and reputation of the facility and surgeon before making a decision. Additionally, there may be additional costs for travel and accommodations that should be factored into your budget.

8.Insurance Coverage

In some cases, plastic surgery may be covered by insurance if it is deemed medically necessary. For example, breast reduction surgery may be covered if it is causing physical pain or discomfort. However, cosmetic procedures are typically not covered by insurance. If you believe your procedure may be medically necessary, I recommend consulting with your insurance provider and providing documentation from your doctor to support your claim.

9.Grants and Scholarships

There are also organizations and foundations that offer grants and scholarships for plastic surgery procedures.

These opportunities are often reserved for individuals with specific medical conditions or circumstances. Some organizations to consider are The Plastic Surgery Foundation and The American Academy of Facial Plastic and Reconstructive Surgery. However, keep in mind that these grants and scholarships are highly competitive and may have strict eligibility requirements.

10. Negotiating with Your Surgeon

Lastly, don't be afraid to negotiate with your plastic surgeon. Some practices may offer discounts or payment plans for their services. It never hurts to ask and see if there are any options available to make your procedure more affordable. As a plastic surgeon, my goal is to help my patients achieve their desired results while also being mindful of their financial situation.

I hope this article has provided you with valuable information on how you can afford plastic surgery. Remember to carefully consider your options and choose the best financing option for your individual needs and circumstances.