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Wednesday, December 19, 2007

Costs For Plastic Surgery

By Clare Eisenman

Plastic surgery costs can be pretty high and therefore out of reach for most people unless the look for some financing solutions. The cosmetic surgery costs depends on many different factors, mainly on the location and experience of the surgeon, the type of cosmetic surgery performed, the equipment used and the risk factors that vary from patient to patient.

The costs for plastic surgery can quickly add up to several thousands of Dollars. All these costs have to be fully paid by the patient because there is no standard health insurance that would cover aesthetic surgery by default. A health insurance just pays the costs for a surgery if there is a medical reason for it.

Today there are various good companies out there that offer attractive financing for cosmetic surgery procedures. You must take a close look at the rates but often the conditions are interesting. It is nothing more than a loan though and therefore you must apply for it and get approved like for a standard bank loan.

Before you can get some financing, you should contact the company and ask who are the surgeons they support. You can't get financing for every doctor but just for those who are in contract with the company. From the list of surgeons they have, you should choose the one who fits your needs best.

Your credit history is important and the next factor which decides if you are approved or not is the size of the loan. Since these kind of loans are unsecured, the interest rates might be higher than you would expect because the financing company has to cover their risks. However, there are sometimes very attractive offers from certain plastic surgeon who offer zero cost financing of certain plastic surgery costs. It pays to look out for such offers.

Whatever you decide, don't spend your last Dollar on this surgery. Choose your plastic surgeon carefully, make sure you have detailed lists of all possible costs involved. At the end you are alone with all outcomes of the plastic surgery. Usually the risks are low but statistically there is always something that happens to someone. What if the surgery doesn't go as expected? Maybe a second or a third surgery become necessary. Who pays for that?

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