Cosmetic Surgery Financing
Pay My Medical offers easy to pay cosmetic surgery financing options. We offer loans for all major cosmetic procedures like body lift, facelift, breast augmentation, liposuction, etc.
Do insurance companies offer coverage for cosmetic surgeries?
Plastic surgery is not a medical necessity; hence, insurance providers do not cover the cost of plastic/cosmetic procedures. However, insurances offer coverage for reconstructive surgeries that are performed to reduce pain and discomfort like nose jobs, weight loss surgeries, breast reductions, etc.
Each insurer differs in their policy as to what they consider medically necessary. There are very few insurance companies that specialize in covering cosmetic surgeries, and it is a challenge to source for such companies and to understand their terms and conditions. We are one of the few medical financing companies to offer cosmetic surgery financing. We offer loans at competitive interest rates and with no penalty for prepayment.
Get a loan for cosmetic surgery
You can get a personal loan for cosmetic surgery from your local bank or credit union. You can also avail loans from online lenders after doing your research on the online marketplace. When you get a personal loan, you pay fixed interest rates based on your credit score. The interest rate with personal loans does not fluctuate during the life of your loan, making it a safe and secure option. Another benefit of borrowing a personal loan is that you can repay your loan amount in a series of consistent payments.
On the flip side, you will be eligible for attractive interest rates only if you have an excellent credit score. If your credit scores are bad, the interest you pay can increase your overall medical expenses considerably. Besides getting a loan, you could also try using a new or existing credit card to finance your cosmetic medical costs. Another option is to use a medical credit card that usually offers an introductory 0% APR for 6 - 12 months.
We are among the few lenders in California to offer multiple loan term plans that you can choose from. Furthermore, we offer interest-free financing options for those with good credit scores.
Things to know about cosmetic surgeries
Cosmetic procedures are not for everybody. Here are some of the critical points to remember before you go ahead with a cosmetic procedure:
Have realistic expectations with the outcome
Learn about the medical risks, side-effects, recovery period, and expenses involved before you go under the knife
Discuss your goals with your surgeon and resolve all doubts and queries
Make a full disclosure about your chronic medical conditions to your surgeon
After a cosmetic procedure, you must completely abstain from smoking, using nicotine products, chewing tobacco, gums, or lozenges for at least two months before and after surgery.
You must have maintained a steady weight for the past year.
Call Pay My Medical for more details on cosmetic surgery financing. We offer loans up to $25,000 for cosmetic surgeries and have an easy and affordable monthly payments scheme for loan repayment.