Cosmetic Surgery Tips

Care credit for tummy tuck

The tummy tuck procedure, also known as abdominoplasty, has become increasingly popular among both men and women looking to achieve a flatter and more toned abdomen. This surgical procedure involves removing excess skin and fat from the abdominal area, as well as tightening the underlying muscles to create a smoother and more contoured appearance. Dr. Jeffrey Klein, a pioneer in the field of cosmetic surgery, has been a vocal advocate for the tummy tuck procedure, touting its safety, effectiveness, and affordability.

Dr. Klein emphasizes that the tummy tuck procedure is a minimally invasive surgery that can produce dramatic results with relatively little downtime. Unlike more extensive procedures like liposuction, which only targets fat deposits, abdominoplasty addresses both excess skin and fat, making it ideal for individuals who have lost a significant amount of weight or have been unable to achieve their desired results through diet and exercise alone. Additionally, by tightening the abdominal muscles, the tummy tuck can help improve core strength and posture, leading to long-term benefits beyond just cosmetic enhancement.

One of the key benefits of the tummy tuck procedure is its ability to address stubborn and embarrassing abdominal flab that may be resistant to traditional weight loss methods. This can be particularly beneficial for individuals who have undergone significant weight loss or pregnancy and are left with loose, sagging skin that detracts from their overall appearance. By removing this excess skin and fat, the tummy tuck can help patients achieve a more toned and youthful silhouette, boosting their confidence and self-esteem in the process.

In terms of cost, Dr. Klein notes that the tummy tuck procedure is generally more affordable than other cosmetic surgeries, making it accessible to a wider range of patients. While the exact cost of the procedure can vary depending on factors such as the extent of the surgery and the surgeon’s fees, many individuals find that the benefits of abdominoplasty far outweigh the financial investment. In addition, some insurance plans may cover a portion of the cost of the tummy tuck if it is deemed medically necessary, such as in cases where excess skin is causing physical discomfort or hindering mobility.

Overall, the tummy tuck procedure offers a safe, effective, and relatively affordable solution for individuals looking to achieve a flatter and more toned abdomen. Dr. Jeffrey Klein’s advocacy for this procedure highlights its numerous benefits, from improving physical appearance and self-confidence to enhancing core strength and posture. With its ability to address stubborn abdominal flab that may be resistant to diet and exercise, the tummy tuck has become a popular choice for both men and women seeking lasting results in their quest for a more sculpted physique.

In this guide, we review the aspects of Care credit for tummy tuck, how to get a tummy tuck paid for by insurance, How do you fund plastic surgery, and What credit card can I use for plastic surgery?

Care credit for tummy tuck

One of our patients in San Francisco, Mary, came to us after years of being unhappy with her tummy.

After the birth of Maddie, her youngest daughter, Mary tried everything to put an end to the tummy pooch. She ate clean and avoided foods that were high in calories.

She even hired a personal trainer to help her out in the exercise department.

Despite losing roughly ten pounds, the lower belly pooch remained. When Mary complained to a friend, she suggested a tummy tuck. Mary thought about it, but she knew they couldn’t afford it. With a mortgage and raising kids, it was just outside of their budget.

So, she put up with being self-conscious about her belly for a few more years. Finally, a friend talked her into attending a free consultation with Dr. Fan. When she arrived at our office, we explored a few low monthly payment financing plans with her, and soon found an option that made a tummy tuck affordable for her.

While her kids were away at camp, Mary came in for her tummy tuck. And she was thrilled with the results.

She only had one regret: that she waited so long before having a tummy tuck.

How To Finance a Tummy Tuck

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Body contouring procedures like a tummy tuck can be costly, but the positive impact of the results are worth every penny.

Whether you’re interested in a tummy tuck alone, like Mary, or would prefer to have it done with other procedures, financing options benefit you the most if:

  • You need financial help to cover tummy tuck costs
  • You wish to preserve your savings

Like all things financial, you have to understand the responsibilities behind each option. This will also help avoid any unpleasant surprises in the future.

8 Financing Options for Plastic Surgery

1. Your Surgeon’s Payment Plan

These plans can include low monthly payment options and extended payment options, making them appealing. Fees and interest rates are competitive, although they can sometimes be higher than conventional credit cards.

2. Personal Credit Cards

Try to find a personal card with a 0% APR offer to pay for your procedure. Or use a rewards credit card to pay for it and earn points or cash back.

3. Medical Credit Cards

Like the other forms of financing, it’s important to make sure that you don’t miss any payments or make any late payments, or you can be liable for a higher interest rate or incur penalties.

4. Personal Loans

Personal loans have a fixed interest rate with a specified amount of time for repayment.

5. Home Equity Loan (HELOC)

A home equity loan or home equity line of credit takes the equity you’ve accumulated in your home and converts it to cash you may use to pay for your tummy tuck procedure.

6. Family Loans/Gifts

Some patients have successfully come up with sufficient funds by asking loved ones to contribute money to their surgery.

7. Retirement Account/401(k) Loans

Your 401(k) account may allow you to borrow up to 50% of the balance you have vested, up to a maximum of $50,000. Loan repayment is automatically deducted from your paycheck. The loan repayment period is up to five years.

8. Savings

Using the money you’ve saved to pay for your tummy tuck surgery is always an option if you have money in the bank.

Qualifying for Tummy Tuck Financing

Initially, you might be reluctant to spend for a tummy tuck or have a difficult time justifying the expenses of surgery. However, keep in mind that it’s your body and this is something that you should be able to work out for yourself through careful research and thorough planning.

For some, it may make sense to delay tummy tuck until they have enough savings. Others are more comfortable taking on one of the financing options we’ve discussed.

2 Qualifying Factors:

1. Your Existing Credit

If you have good or excellent credit, or in some cases even fair credit, you may qualify for a number of financing options such as a medical credit card or a personal bank loan. If you have poor credit, you may have to look for other options.

At 77 Plastic Surgery, the good news is we have a financing option available even for those with poor credit.

2. Your Monthly Budget

Some practices, such as ours, offer a variety of financing programs, including a plan with low monthly payments — as low as $299 a month for a tummy tuck. For this reason, it’s important to plan your monthly budget ahead of time, so you’ll know much you can afford to set aside for your procedure. The more you can pay each month, the faster you can pay off your loan.With these factors in mind, it makes sense to take the following steps before applying for financing:

  1. Find out about the cost of a tummy tuck specific to your geographical area, and the extent of your needs. An in-office consultation is the best way to start.
  2. Assess your savings, income, and credit-worthiness to learn whether it is realistic to pay for the costs of surgery upfront or whether getting financial help is needed.
  3. Appraise your monthly budget as well as how much you can afford to set aside to pay for your procedure if you take the monthly payment route.
  4. Learn whether a down payment is needed for financing. If it’s required, save up for that down payment.
  5. Focus on finding a good plastic surgeon rather than a cheap plastic surgeon (or, worse yet, a “cosmetic surgeon”). You only have one body, and you want your procedure to be done correctly the first time. After all, it’s your safety, well being, and figure at stake.

The Best Tummy Tuck Financing Options For You

It’s tempting to “bargain shop” when planning for your tummy tuck. However, a plastic surgeon’s experience and training are critical to attaining the best tummy tuck outcomes possible without compromising your safety.

To help ease the financial burden of tummy tuck financing.

CareCredit provides you with the opportunity to finance cosmetic surgery and beauty procedures you’ve always dreamed of having. With technological advancements revolutionizing the cosmetic surgery field, you can receive the treatments and procedures that will leave you looking and feeling your best.

The surgical and non-surgical cosmetic procedures covered by CareCredit include:

  • Breast implants, lifts and reductions
  • Body contouring, including tummy tucks
  • Weight loss surgery
  • Facial procedures, including surgical lifts
  • Facial injectables, including Botox
  • Liposuction
  • Laser treatments, including laser hair removal 
  • Facials and peels
  • Reconstructive Surgery
  • Spa treatments


Why Is CareCredit Different?

For starters, CareCredit extends special financing offers to pay for health, wellness and beauty care (at enrolled providers) that you can’t get with traditional credit cards.

There are currently more than 175,000 providers in the U.S.

Moreover, CareCredit offers shorter financing options of six, 12, 18 or 24 months and no interest is charged on purchases of $200 or more if you make the minimum monthly payments. It also extends longer health care financing periods with various pricing and interest options.

Is CareCredit Like Medical Insurance?

CareCredit is a healthcare credit card, not a medical insurance policy. It’s intent is to help you pay for out-of-pocket expenses not covered by your health plan. It is flexible in that you can pay for enrolled doctors or healthcare providers near you.

how to get a tummy tuck paid for by insurance

Most health insurance companies will not cover a full tummy tuck because it’s often considered a cosmetic procedure. However, if your physician believes the procedure is medically necessary, your insurance may pay for a large portion of your tummy tuck.

A tummy tuck can improve your posture and make a huge difference in how you feel about your body and even how well your clothing fits. It’s little wonder, then, that this is one of the most popular cosmetic procedures on the market. If you’re one of the many people who feel uncomfortable with the excess skin on their stomach, you may have considered getting a tummy tuck yourself.

In most cases, a tummy tuck surgery is considered a fully cosmetic procedure, but did you know it’s possible to have coverage for a tummy tuck approved by your insurance provider? Let’s look into the ways you can have your health insurance cover tummy tuck surgery.

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What is a tummy tuck?

A tummy tuck — formally known as abdominoplasty — is a surgical procedure that removes excess skin from the abdomen. In many cases, the procedure also tightens abdominal muscles caused by diastasis recti (separation of the muscles along the abdomen) and includes mild liposuction to even out a patient’s stomach.

Tummy tucks are typically considered cosmetic surgery and are often sought after by women who gave birth or people who underwent significant weight loss. To have your tummy tuck procedure covered by insurance, there are a few requirements you may have to meet, which we’ll discuss further on.

How tummy tucks are conducted

A tummy tuck procedure is a fairly involved process. When seeking out this cosmetic procedure yourself, here’s what you can expect.

How to finance a tummy tuck

A tummy tuck costs a pretty penny out of pocket, so if you’re serious about getting one, you’ll need to plan ahead. The options below outline some of the ways you can cover the cost of a tummy tuck.

Pro Tip

How to have a tummy tuck covered by insurance

Tummy tucks are generally considered cosmetic surgery, which means (in most cases) they aren’t covered by insurance. However, there is an exception to this rule: In order to have a tummy tuck covered by insurance, you must prove the procedure is medically necessary.

What’s more, even if you do get a tummy tuck approved by your insurance provider, it’s highly unlikely they will provide coverage for your surgery in full. Although the procedure in general may be medically necessary, abdomen tightening is still considered cosmetic. This means most insurance plans that do cover the surgery will only pay for the second phase to remove excess skin.

Pro Tip

What constitutes a medically necessary tummy tuck?

The following are some examples of what could be considered medical reasons to get a tummy tuck.

Note that even in the above cases, your insurance policy will likely only cover the second phase of your tummy tuck, as that would constitute the medically necessary portion of the procedure. Still, it’s better to pay for only part of your surgery out of pocket than for all of it.

Can you get a panniculectomy covered by insurance?

Contrary to abdominoplasty, a panniculectomy is the simple removal of excess skin without abdominal tightening. This is often done to reduce ulcers and rashes. If you can’t get a full tummy tuck paid for by your insurance company, this may be a good alternative for you.

Unlike tummy tucks, panniculectomies are usually considered medically necessary procedures. This means you’re much more likely to have your elective procedure approved by your insurance company than if you were to request a full tummy tuck.

FAQs

What are the disadvantages of a tummy tuck?

A tummy tuck may be a good option for mothers who are done with childbirth, but rapid weight gain and pregnancy can reverse all the work from the procedure. After undergoing surgery, you’ll likely have a permanent scar on your lower abdomen. Results can also take time to fully show, and recovery may be slow and painful.

What type of anesthetic is used in tummy tucks?

You will not be awake during your tummy tuck surgery. The standard protocol is to use general anesthesia.

Who would be considered a good candidate for a tummy tuck?

Tummy tucks are best for people who are close to their ideal weight, have excess skin from weight loss, and have weakened abdominal muscles. Women should also have no intention of going through pregnancy and childbirth in the future, as that can undo all the results of a tummy tuck.

What is a mommy makeover?

A mommy makeover is a set of cosmetic surgeries that are performed together or in quick succession, all with the same goal: to restore a woman’s pre-pregnancy body after she’s given birth.

The most common combination of surgeries in a mommy makeover consists of a breast lift and a tummy tuck. In some cases, it can also include liposuction around the thighs and a breast enhancement procedure.

How do you fund plastic surgery

We think it’s important for you to understand how we make money. It’s pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That’s why we provide features like your Approval Odds and savings estimates.

Of course, the offers on our platform don’t represent all financial products out there, but our goal is to show you as many great options as we can.

You can borrow money for many purposes: A mortgage for a home, student loans for college, even a loan to finance your wedding. But what about plastic surgery?

In 2020, Americans spent more than $9 billion on surgical and nonsurgical cosmetic procedures, according to the American Society for Aesthetic Plastic Surgery.

The cost of cosmetic procedures can vary greatly depending on the work you get done, and it’s not always covered by your medical insurance. Fillers or laser hair removal could set you back less than $1,000, but liposuction, tummy tucks and face-lifts could cost thousands. If you’re considering a cosmetic procedure, you might be looking for options to help cover the cost, such as a medical credit card, personal loan or medical loan. Here’s our roundup of the best plastic surgery financing options and the features that make them stand out.

Best for excellent credit: LightStream

Why LightStream stands out: LightStream rewards borrowers who have above-average credit with personal loans that have no fees and low interest rates. For the lowest rates, LightStream requires excellent credit. In general, LightStream says it considers borrowers with excellent credit as those who have a stable income, money stashed in savings and at least five years of credit history with an excellent payment record.

Best for flexible terms and loan amounts: Upgrade

Why Upgrade stands out: Upgrade gives borrowers multiple loan terms to choose from, and if you only need to borrow a small amount, Upgrade offers loans for as little as $1,000. Plus, you can check your rates without affecting your credit scores — though note that prequalification doesn’t guarantee approval and your final terms may vary.

Best for member benefits: SoFi

Why SoFi stands out: SoFi offers loans with member perks, such as financial planning advice from advisors, referral bonuses and potential adjustments to your payments if you lose your job. Loan terms range from 24 to 84 months.

Best for fair credit: Avant

Why Avant stands out: If you have a fair credit score, Avant may be worth considering since Avant says its typical borrower has a score between 600 and 700. Not sure if you qualify? You can check to see if you’re eligible on the Avant website without a hard inquiry — but keep in mind that you may see different terms after submitting a formal application.

Best for promotional financing: CareCredit

Why CareCredit stands out: CareCredit is a healthcare credit card for medical expenses that may offer promotional financing where you pay no interest for six, 12, 18 or 24 months. At the end of the promotional period, the accumulated interest gets added to your account unless you pay off the entire balance before the special ends. If you pay on time each month and pay off the balance during the promotional financing period, this could be a way to finance cosmetic procedures without incurring interest charges.

What to watch out for with plastic surgery financing

Borrowing money for plastic surgery is a decision to make carefully. If you’re able to qualify for a competitive rate and the loan has affordable monthly payments, financing the procedure could help you enjoy the results of a costly procedure sooner rather than later.

But there are negatives, too: It’s one more payment to add to your budget each month, and there are financing-related costs to factor into the equation. You may have to pay interest and other fees on the amount you borrow. It also may be harder to qualify for a loan for surgery if you have bad credit.

Saving up for a procedure may be a better (and cheaper) option, even if means you’ll have to wait a few months to get work done. You could start by setting up an automatic transfer of cash from your bank account to a “saving for surgery” account each month.

Saving small amounts consistently can add up and could help you pay for all or at least a portion of your procedure. If you do decide to borrow, be sure to weigh multiple options since this will help you find the best loans available to you.

How we picked these loans

We compared interest rates, fees, perks and promotional financing options across personal loans and medical credit cards. Then we selected the ones that offer competitive rates, flexible terms and member benefits.

What credit card can I use for plastic surgery

Cosmetic procedures have surged in popularity lately. Americans spent over $14.6 billion dollars on them in 2021. A report by The Aesthetic Society found surgical procedures rose 54 percent and non-surgical ones were up 44 percent in 2021 from the previous year.

So, if you’re looking in the mirror and thinking, “Hmmm, maybe it’s time for a little professional assistance,” you’re not alone.

I, for one, am with you. I recently invested in a minor cosmetic treatment that came with a hefty price tag. To minimize the outlay, I used one of my credit cards. Here’s how I did it, and some extra card tricks you can use to get what you want done at the lowest possible cost.

Choose a procedure

I’m obsessed with my skin. I want it to be glowy, bouncy, just basically all-around nice. Not wanting to go under the knife, I researched non-surgical options offered by cosmetic surgery centers and med-spa websites. I landed on Ultherapy, which uses ultrasound energy to rebuild collagen and tighten skin. It’s done in a single appointment, there’s almost no downtime, and plenty of research backs up its rejuvenation claims.

I was sold, but then it was time to find the best place and price. I made countless calls and poured over reviews. Eventually I decided on an office that specialized in the treatment, had great reviews, and offered a low quote compared to most others. Still, at $2,250, it was a commitment.

Know what you want and how much it will cost

What you want done depends on your vision as well as your budget. That requires communicating with an excellent provider.

Jaimie DeRosa, M.D., a plastic and reconstructive surgeon with offices in Boston and Palm Beach advises talking openly, whether it’s with a med-spa practitioner or plastic surgeon, to determine what is best for your desires as well as your wallet is essential.

“Be honest,” says DeRosa. “Say, ‘I’m thinking about the laxity in my face, but I have a budget.’ A caring practitioner will guide you. They’ll explain that you will have a limited return on your investment for something less expensive like a facial, but that maybe you would be better off saving for something that really gets you to your goal. You could spend thousands on filler and not get the results you want.”

Once you’ve made your choice, research the price for your area. According to the Aesthetic Society report, the following are the most common procedures. Average costs come from RealSelf, a consumer cosmetic information site:

Top non-surgical procedures

If those numbers seem daunting, you may be tempted to search for rock-bottom prices. Be careful.

“Medicine in general is not a place to save money,” says Darren Smith, a board-certified plastic surgeon based in New York City. “The bottom line is that if it’s a stretch, you shouldn’t do it. No one needs plastic surgery. Don’t do it unless it brings you joy, and that also means being comfortable with the cost.”

Above all else, be exceptionally wary about cosmetic surgery centers that operate in different countries that offer elective procedures for far less than what it is in the U.S. The standard of care may not be as high. “It might be more expensive to go to a board-certified, reputable doctor here, but it will be much more expensive to get it fixed if things go wrong,” says Smith.

How I chose the credit card I used

I knew I would charge the expense to get the rewards, but I wasn’t sure which to use. I currently have two credit cards: my Chase United℠ Explorer Card and my Capital One Venture Rewards Credit Card. Both are travel credit cards with the rewards expressed in miles.

To figure out the best card, I considered the following:

Given all those factors, my Venture Rewards card came out ahead for this particular purchase, so that’s what I used. Because I get 2X the miles with this card, the $2,250 charge added a healthy 4,500 miles to my rewards bank.

Capital One miles, when redeemed for travel, amount to a penny per mile. That meant I earned the equivalent of $45 for the transaction. Therefore, the net cost of what I had done was $2,205. A nice little discount!

How to get an even better deal with a credit card

There are other ways to reduce the cost of cosmetic procedures with credit cards:

Find the best rewards for health-related purchases

A few credits cards offer rewards for medical expenses that may include cosmetic procedures. Upgrade Triple Cash Rewards, for example, offers 3 percent per $1 on “health,” which includes “health and beauty spas” as well as physicians, dentists and other healthcare providers.

AARP Essential Rewards Mastercard offers 2 percent cash back on eligible medical expenses (cosmetic not specified), but you’d probably be better off in the long run with a flat rate 2 percent cash back card (1% when you buy 1% as you pay) such as the Citi® Double Cash Card.

CareCredit, while not a traditional credit card, offers deferred-interest financing for cosmetic procedures. If you’re looking to spend serious money on, say, cosmetic surgery, you may want to look into personal loans and payment plans.

Use the expense to score a sign-up bonus

If you open a new card that offers a sign-up bonus and meet the minimum spend with the procedure you want, you can shave a lot off the price. For example, maybe you want to get some filler, and the cost would be $1,200. The Bank of America® Customized Cash Reward Card offers a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. Pay with the card and it would result in $200 off the price!

Getting someone more significant done? If you have a side hustle and need a dedicated business card, the Ink Business Unlimited® Credit Card gives a $900 bonus cash back after you charge $6,000 within the first three months opening the account. That tummy tuck, costing $8,350, would then be reduced to $7,450.

Use a 0% APR card to pay off large purchases

Another option is a credit card offering 0 percent APR for a specific time frame. If you really want to get a procedure but you don’t have all the money now and don’t want to wait and save, these deals can work out well.

Some, like the Capital One Quicksilver Card, even offer a sign-up bonus too. This card gives 15 months of interest-free charging, plus a $200 bonus after spending $500 on purchases within three months of opening the account. So if you wanted that Ultherapy costing $2,625 and charged it to this card it would be $2,425. Send fixed payments of $175 and you’d have at all paid off in under 15 months, with no added interest.

In fact, DeRosa thinks its a good idea for patients who will use it wisely. “Cards with 0 percent APR can be great,” she says. “We don’t want someone to overextend themselves, though. They should spend within their means.”

Set up a debt repayment strategy

The cost of the procedure was high enough. I certainly didn’t want to have fees added to it. However, that is what would have happened if I paid partially:

The last thing I wanted to do was increase the price with interest, so neither scenario was attractive. Instead, I made sure I had the money available to pay the entire charge.

In order to delete the debt before interest was added, I could have waited for the bill to come, then pay it all off by the due date. But since a credit scoring company like FICO and VantageScore can calculate a score before I had a chance to delete it, I didn’t want to take that risk. After a couple of days, I dug into my checking account and cleared the debt.

Keep your credit beautiful, too

With careful research and a strategic plan, it’s possible to achieve your aesthetic dreams without damaging your bottom line. If you are considering using a credit card to pay, review your budget so you know you can make the payments on time and pay it all off quickly.

It’s easy to bite off more than you can chew when you’re excited about finally getting that procedure done. If you do use a 0 percent APR credit card, plan to pay off the balance before the real rate goes into effect.

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