Taking out a loan is the fastest way to raise money for an elective surgery when you are uninsured and cannot afford to wait until open enrollment.

Insured patients might get lucky and have a medically necessary reason they might otherwise overlook. Having a third-party pick up the tab is always best.


Why take on debt to finance an elective surgery when Medicaid might cover the procedure? Low-income families have enough trouble paying regular bills without added expenses.

Medical necessity, the least costly alternative, and state-specific rules are variables in the equation determining whether your plan will pay for a specific operation. Get yourself ready.


Health insurance companies classify a tummy tuck (abdominoplasty) as a cosmetic and rarely cover the elective surgery – unless combined with a medically necessary procedure.

Therefore, many patients turn to financing to fund their out-of-pocket expenses. Make sure that you do not borrow more than you need because hernias, and infected loose skin could cut your costs dramatically.


Precise language is crucial when determining how you might pay for any elective medical procedure. Plastic surgery is a related specialty to cosmetics surgery, and people frequently conflate the two together.

However, a seemingly minor point can have an immense impact on your costs and how you might go about financing any remaining expenses. Insurance coverage and discounts kick in for medically necessary procedures.


Most health insurance plans will not cover the costs of cosmetic surgery. They do not cover procedures that reshape healthy tissue to improve appearance.

Most patients must pay for the procedure out-of-pocket. Getting loans in advance gives you the flexibility to pick the top local surgeon – instead of one with in-house payment plans.


Medical financing programs can often help patients pay for elective surgeries that insurance will not cover because they are cosmetic. Nose jobs fit into this category when the reason is purely for aesthetic reasons; you want to improve appearance.

Of course, getting your insurance plan to foot the bill is preferred. Learn the criteria for rhinoplasty and septoplasty and perhaps save a bundle of money.


Many patients pay for elective surgery 100% out-of-pocket, while other times, health insurance will pick up part of the tab. It all comes down to whether you can establish medical necessity.

Breast reduction surgery falls into this category. Many women can recruit coverage by listing symptoms such as back pain or infections. Otherwise, financing is the fallback option.


Resort to financing to make your breast augmentation procedure more affordable only if insurance will not pay, which is the rule for most cosmetic procedures – those improving appearance only.

Women who need reconstructive surgery can often get a lending hand from health insurance. Have the practice manager write a letter of medical necessity.


People often have a need to finance more than just elective surgery without insurance. Each type of need calls for a unique strategy.

Sometimes other non-surgical procedures are not covered. Other times patients travel overseas to reduce costs or need to use some type of home equipment. Other times they experience an emergency hospitalization and have left-over debts.