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.


One critical factor determining your out-of-pocket costs for any elective eye surgery is whether your eye doctor participates as an in-network provider.

The equation gets even murkier for low-income families who rely on Medicaid for coverage. Now state rules might limit benefits for exams, glasses, and contacts. Plus, fewer providers accept these patients.


Many health insurance plans will not cover weight loss surgery that they deem as an elective medical procedure.

You may need to pay for the procedure out-of-pocket, and may not have the funding on hand. Several financing options allow you to undergo the procedure right away.

Be sure to protect your finances before signing on the dotted line.


Why finance your elective bariatric surgery when the government might issue indirect grants that help low-income patients with their weight loss?

Even the lowest cost option, Gastric Balloon, costs $8,000 without insurance, and most people living in poverty cannot afford to pay such a sum out-of-pocket themselves.


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.


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.