Dr. Jon Kurkjian understands that the cost of plastic surgery is a concern that keeps many people from pursuing—and achieving—their cosmetic goals. For this reason, our practice works with several reputable third-party healthcare lenders that provide a number of financing and payment plan options to fit almost any budget. If you are interested in financing breast augmentation, a mommy makeover, or any other aesthetic treatment offered by Dr. Kurkjian, one of our friendly team members will be happy to assist you with the application process for the plan of your choice. If approved, you will be on your way to receiving the care you need at a price you can afford.

In this guide, we review the Payment Plans For Breast Reduction, cosmetic surgery payment plans, mummy makeover payment plans, and what qualifies for insurance to pay for breast reduction.

For more information about our financing options and accepted payment methods, we invite you to read the brief descriptions located below. If you have any further questions, or if you would like to schedule a consultation at our office, please contact us today.

CareCredit

As one of the nation’s leading healthcare financing companies, CareCredit offers a variety of low-interest and no-interest monthly payment plan options. Depending on the total cost of your procedure and the specific plan you choose, you may be able to finance up to $25,000 of your plastic surgery expenses while making low monthly payments of as little as $25. Additionally, should you decide to receive another treatment later down the road, there is no need to reapply.

Prosper HealthCare Lending

Prosper HealthCare Lending is the premier financing company in the healthcare industry. With over $3 Billion borrowed and over 250,000 people empowered, this is a name and a program you can trust. Here are some of the benefits you’ll receive with a loan from Prosper Healthcare Lending:

eFinancing Solutions

eFinancing Solutions provides a comprehensive span of payment plan options that enable you to break up the cost of your treatment into monthly installments. By partnering with several different lenders, eFinancing Solutions is able to approve more loans for a greater number of patients than many other financing institutions. As a result, you may be able to find an affordable plan that fits your unique budget.

Payment Plans For Breast Reduction

Cosmetic surgery is considered an elective surgery, and insurance usually does not cover these operations. Patients must pay cash or utilize another plastic surgery financing method to pay for procedures like laser hair removal, Botox, breast augmentation or rhinoplasty, among others.

8 plastic surgery loans to consider

If a personal loan is your preferred method for plastic surgery financing, shopping around with multiple lenders could help you find the best deal possible. Ensure you make apples-to-apples comparisons of APRs, repayment plans, discounts and fees, among other loan terms.

There are many ways to get a personal loan, perhaps from a bank, credit union or online-only company. Prioritize those lenders that allow you to prequalify for funding without a hard check of your credit report, which could dim your credit score.

While many personal loan companies allow you to borrow for cosmetic procedures (among other major expenditures), here are a handful to begin your shopping process:

If you’re ready to move forward, you can check the latest personal loan rates here at LendingTree.

Here are five additional plastic surgery financing options:

1. Enroll in a payment plan through the surgeon

When you’re researching plastic surgeons to complete your medical procedure, ask the provider if they offer any type of plastic surgery financing or payment plan. You may be able to break up the cost of your cosmetic procedure into smaller monthly installments without paying interest.

Many surgeons avoid getting involved in the financial aspect of the procedure, though, and rely on third-party plastic surgery financing options like medical credit cards and plastic surgery loans.

You can split the cost into smaller monthly payments.

You may not have to pay interest or go through a credit check.

Not many doctors offer in-house payment plans, and most defer to a third-party company.

Your bill may be sent to a debt collector if you don’t pay.

2. Utilize a medical credit card like CareCredit

Your plastic surgeon may offer financing through a medical credit card like CareCredit. Medical credit cards are a popular way to finance plastic surgery because they usually offer promotional financing. During a certain introductory period, typically a few months to a few years, you can break up the cost of your procedure into smaller monthly payments at 0% APR or reduced APR.

However, some medical credit cards come with very high APRs. And if you don’t adhere to the payment plan outlined by the promotional financing offer, you may be stuck paying deferred interest from the original purchase date.

Take a look at the terms offered by the CareCredit® credit card:

Promotional interest rates let you pay for your procedure at no (or reduced) interest.

No fee for early repayment.

A convenient option when you need it.

You’ll pay deferred interest if you don’t adhere to the promotional terms.

The APR for these cards can be very high, and you could find more competitive APR offers through other financing options.

Not all medical providers offer financing through medical credit cards.

Average cost of common plastic surgery procedures

3. Use a credit card with a 0% APR offer

Medical providers typically allow you to charge your elective procedure to your credit card (though some may charge a card processing fee). However, credit cards are notorious for their high interest rates.

One way to get around this is to use a credit card with an introductory 0% APR offer. These offers typically last up to 21 months and are reserved for borrowers with good credit. This can let you split up the cost of your cosmetic procedure into smaller monthly payments without paying interest, as long as the balance is paid in full by the end of the introductory period.

If you’re unable to secure a 0% APR offer, you may end up paying a lot more for the surgery than you initially thought. Additionally, the large charge to your card is likely to tie up your credit, hurting your credit utilization and possibly affecting your credit score.

Borrowers with good credit may secure a 0% APR intro offer to avoid paying interest for a limited time.

You can pay with a credit card to earn rewards like cash back or travel miles.

Not all borrowers will qualify for a 0% APR offer.

Regular APRs can be high, which can increase the cost of borrowing.

Putting a large charge on your credit card can affect your credit utilization and credit score.

4. Take out a fixed-rate personal loan

A plastic surgery loan — also known as an unsecured personal loan — is a quick way to secure money for a surgical procedure. Personal loans are lump-sum loans typically ranging from $1,000 to $50,000 that have a fixed APR and monthly payment.

Compared with some of your other financing options, a plastic surgery loan could be the cheaper alternative to getting a cosmetic procedure. If you have a strong credit history, your APR is likely to be significantly lower than a credit card. Borrowers with subprime credit might only find personal loans with high APRs, if they qualify at all.

As with most types of borrowing, plastic surgery loans will add to the cost of your procedure since you’ll be paying interest. You can try to mitigate the cost of the loan by making extra payments and paying it off early, as long as you’re aware of any prepayment penalties that the lender might charge. Plus, you should shop around for the lowest possible APR for your financial situation using our personal loan guide.

cosmetic surgery payment plans

PatientFi

PatientFi puts the patient’s best interest at the center of everything. Designed by the nation’s leading plastic surgeons, PatientFi allows you to pay for your treatment through flexible monthly payment plans, customized to fit your budget. APPLY TODAY TO SEE WHICH PAYMENT PLAN YOU QUALIFY FOR WITH ZERO IMPACT TO YOUR CREDIT SCORE!

CareCredit®

CareCredit® is a credit card made specifically for medical payments and can be used on everything from cosmetic and reconstructive surgery to non-surgical anti-aging procedures at Atlanta Plastic Surgery. You can choose between 6, 12, 18, and 24 month payment plans based on your financial needs, and the best part is that CareCredit® is interest-free as long as payments are made within the specified promotional period. CareCredit® has no expiration date and no minimum amount requirement. Visit their website at www.carecredit.com to sign up.

Alphaeon™

Designed with physicians, Alphaeon™ credit is a new patient financing program offered through Comenity Capital Bank that is designed to offer the best possible financing experience for patients. Alphaeon™ provides a wide array of monthly payment options to help you reach your individual wellness, beauty, and performance goals. Moreover, the Alphaeon™ credit card allows you to move forward immediately with special financing options not always available with other credit cards and superior credit limits with strong approval rates all in an easy to use program. Visit their website at http://alphaeon.com/credit to sign up or contact us to learn more.

Insurance Information

Due to the ever changing nature of insurance companies and plan types, it is the patient’s sole responsibility to contact their insurance company to verify network participation and find out if services are covered and if a referral is needed.

Aetna®, Tricare®, Blue Cross Blue Shield®, Humana®, Kaiser Permanente®, and Piedmont-WellStar

Atlanta Plastic Surgery, P.C. is proud to accept Aetna®, Tricare®, Blue Cross Blue Shield®, Humana®, Kaiser Permanente®, and Piedmont-WellStar health insurance for our reconstructive surgery patients. Insurance will generally cover most reconstructive surgery procedures including facial reconstruction and breast reconstruction; however, procedures that are cosmetic in nature like breast augmentation or tummy tuck surgery will not be covered by insurance. There is a chance that procedures like breast reduction surgery may be covered, but this must be determined by the insurance company on a case-by-case basis.

(Note – ALL Atlanta Plastic Surgery, P.C. providers currently accept Aetna®, Tricare®, Blue Cross Blue Shield®, Humana®, Kaiser Permanente®, and Piedmont-WellStar)

UnitedHealthcare® (UHC) health insurance is currently accepted by select physicians at Atlanta Plastic Surgery, P.C. Many health insurance providers will cover most reconstructive surgery procedures including breast reconstruction and facial reconstruction. However, it is important to know that plastic surgery procedures like breast implant surgery or abdominoplasty (tummy tuck) will not be covered by insurance. There is a chance that breast reduction surgery may be covered, but this must be decided by the individual insurance company.

(Note – NOT ALL Atlanta Plastic Surgery, P.C. providers currently accept UnitedHealtcare®. Please contact your individual physician to inquire about your specific insurance plan.)

In order for Aetna®, Tricare®, Blue Cross Blue Shield®, Humana®, Kaiser Permanente®, Piedmont-WellStar, or UnitedHealthcare® to cover plastic surgery costs, Atlanta Plastic Surgery, P.C. must submit a pre-authorized letter to them that includes diagnosis, procedure codes, and photos. This process can take up to six weeks, and depending on the specific insurance plan and patient needs. Some insurance providers may require additional information before pre-authorizing surgery. Contact our office to learn more about insurance coverage at Atlanta Plastic Surgery, P.C.

Details of individual plans may vary, so please contact your individual Atlanta Plastic Surgery, P.C. physician to find out if we accept your specific insurance plan.

mummy makeover payment plans

Mummy Makeover

While a truly beautiful part of a women’s life, pregnancy can cause significant changes to the body that exercise and diet alone may not be able to entirely reverse. A ‘mummy makeover’ involves a collection of cosmetic surgical procedures to reverse the undesired effects of pregnancy, ageing, and childbirth. The abdomen and breasts are usually the main areas of the body that face the greatest changes post child-birth and nursing. A ‘mummy makeover’ therefore may include a breast lift, breast augmentation or breast reduction, a tummy tuck, a buttock augmentation and/or liposuction.

Reasons women may opt for a ‘mummy makeover’:

Simply smarter loans

Fast approval and funding

Typically same day approval

Pretty Penny finance set me up with a great payment plan for my dental procedure, they were very helpful by offering lots of advice and doing further research to make sure I knew exactly what I was signing up for. They weren’t pushy and let me make decisions at my own pace! Within a day I was approved which was great. Thanks for all your help!

I was drawn to the beautiful name Pretty Penny Finance. When I contacted them, they went beyond being just ‘pretty’ and entered the realms of perfection. My loan writer was Dan – a true warrior at what he does… He impressed me with his level of professionalism and dedication. His manner is impeccable: good-humoured, patient and genuinely amazing. I’m so thankful I chose Pretty Penny Finance – they do their job so well. Dan, you are a Superstar. Thank you for the perfect service, and thank you Pretty Penny Finance.

Mummy makeover loan

At Pretty Penny Finance, we provide ‘mummy makeover’ loans to make these often expensive procedures affordable. A Pretty Penny Finance ‘mummy makeover’ loan can be customised to your preferences with flexible weekly or fortnightly repayments.

If you require tailored ‘mummy makeover’ finance, contact us today or simply apply online and a member of our friendly customer service team will be in contact with you today.

The benefits of borrowing from us

When you apply for Pretty Penny’s finance, you will be designated your own personal loan advisor that will guide and support you through the entire process. They will discuss with you all of your options so that you clearly understand the process and you get the right payment plan that is affordable to your budget.

Credit Card Comparison

*Comparison rate based on rates available for a 3 year, $20,000 unsecured personal loan for a borrower with a good credit history as at 4 September 2017. WARNING: This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. ‡Credit card rate stated is RBA F5 average ‘standard’ credit card interest rate as at August 2017 and excludes any annual or monthly fees. Comparison calculation assumes repayment of $20,000 balance over 3 years. Calculations assume 36 equal monthly payments and no prepayment amounts. The rate, term and repayments you qualify for may be different to the example. Credit criteria and terms and conditions apply.

Want to know your interest repayments?

We care about our client’s journey and the process it has taken to get this far. At this stage, we can come in and uncomplicate the process – untie all the knots – make it simple and quick to obtain finance so that you can remain focused on your procedure and personal recovery. We promise a one-on-one relationship with your Pretty Penny team member through the finance process so you can move forward with your journey sooner.

what qualifies for insurance to pay for breast reduction

Many women want to lift their breasts, have a bigger bosom or fix their sagging bust. Others, maybe including you, suffer with breasts that are so big that they interfere with your life. Super big boobs, clinically called symptomatic macromastia, create a host of uncomfortable complications, including:

Since macromastia can create these devastating medical conditions, your health insurance company may pay for breast reduction surgery, called reduction mammaplasty. As you consider getting a breast reduction, be sure to talk with an experienced plastic surgeon who knows the issues surrounding large, droopy breasts and the sometimes-complicated process of getting insurance coverage for breast reduction. In Manhattan, Long Island, New Jersey and the Hamptons, you’re in the best hands at Rowe Plastic Surgery.

What Are the First Steps to Getting Breast Reduction Covered by Insurance?

First, contact your insurance carrier to find out what their particular requirements are to get the procedure covered. While you may know a friend whose breast reduction surgery was fully covered by her insurance, your personal health insurance carrier may have an entirely different set of criteria.

In general, you’ve got to have some proof that you have medical issues from your large breasts. This proof must come from a doctor or medical professional other than your plastic surgeon. In most cases, you must have undergone treatment for anywhere from six to 12 months from providers such as a:

How Do I Know if I Have Enough Documentation?

Chances are that you’ve already talked to your primary care doctor about your various symptoms. Your general practitioner or internist probably referred you to specialists to try to relieve your pain and discomfort. If you haven’t been treated specifically for a condition related to the size of your breasts, ask your primary care doctor to make a referral so you can get the reports you need for your breast reduction insurance.

At Rowe Plastic Surgery, the staff is fluent when it comes to insurance-speak. They can point you in the right direction to get covered for breast reduction surgery. They’ll even help you fill out the required paperwork. Some of the treatments that help you qualify for insurance for breast reduction include:

Is Breast Reduction Surgery Ever Automatically Covered by Insurance?

Some insurance companies only pay insurance for breast reduction in patients over the age of 18. When younger girls experience rapid breast growth, it may be cause for concern and more immediate intervention. The massive and often quick growth may be caused by a reaction to gonadal hormones. While this usually affects adolescent girls, it’s still recommended that you wait until your breasts have completely developed before seeking the surgery.

You won’t need to document a history of trying to relieve symptoms caused by large breasts when your surgery is tied to:

When Approved, What’s Included in Breast Reduction Surgery?

Once you’ve completed all the requirements and paperwork to get approval from your insurance company, your cosmetic surgeon explains what you can expect from the surgery. After taking a detailed medical history, your doctor discusses your expectations and takes pictures for before and after comparisons.

Breast reduction surgery is an outpatient procedure that takes one-and-a-half to two hours while you’re under general anesthesia. You’re also given a shot of pain medication that lasts three to five days. Prior to the surgery, you may be asked to undergo some lab tests and get a mammogram to give your doctor a baseline. Steps your Rowe Plastic Surgery team take typically include:

Is Breast Reduction Surgery Worth the Effort?

You have to limit your activities for about a month after surgery, but you can return to work within a week. Other than that, there’s very little downtime. Recovery from breast reduction surgery means avoiding underwire bras, but you may consider that a bonus.

The biggest benefit to going through the surgery approved by your insurance company is that you’ll feel so much better. You may even find that you can participate in sports and exercises that used to be out of your league. You experience no more back aches, neck strains or stiff, marked shoulders. The rash underneath your boobs clears up, never to return. Risks are rare when you rely on experts in breast reduction surgery, but all of them are easily manageable.

Maintain your ideal weight and the results are permanent. To begin the process of getting on your breast surgeon’s schedule, contact Rowe Plastic Surgery today. The staff works with you to determine what steps you need to take to get insurance approval. There’s no reason to wait. Visit the closest office in Manhattan, Plainview or Water Mill, NY or in Montclair or Red Bank, NJ.