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.
What some patients will be surprised to learn is that it is not uncommon for most clinics to carry the financing in house. Most places will be happy to extend a line of credit to any potential patient with sufficiently qualifying credit history. Usually however, the rates offered by clinics are some of the worst around. Just as you would shop for a quality surgeon, shop around for better financing rates.
If the clinic doesn’t carry financing in house, almost every surgeon has working relationships with local financing companies with whom they can refer patients. These financing companies are used to receiving referrals from the liposuction surgeon and are experienced in working out fair and manageable payment plans for almost any budget.
If smaller companies are hard to find or hard to trust, as is the case for some people, Health Care Finance is a subsidiary of Capital One that specializes in financing medical procedures that are not usually covered by health insurance.
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.
Remember that while it is not usually a good idea to go into debt to begin with, liposuction surgery as well as how to pay for it is a personal decision only you can make for yourself. In such case, do not shop for a surgeon based on price alone. Liposuction is an art and the outcome of such a procedure depends largely on the skills and experience of the surgeon. The final liposuction price includes both the risks and financial cost.
