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February 7, 2024

Mommy Makeover Financing: Here’s What You Need to Know

Written by: Dr. Dahlia Rice. Posted in: Blog

Mommy Makeover Financing

A mommy makeover package is one of the most popular plastic surgery combinations out there today, as it involves a list of cosmetic procedures meant to address the physical issues many women face after pregnancy and breastfeeding. While the types of plastic surgery involved are very common, understanding your payment options for mommy makeover financing is less well-known.

When diet and exercise aren’t doing the trick, it’s a good idea to review your plastic surgery options if getting your body back is important. As you review your options and select the procedures you need, you must also plan your plastic surgery financing properly. Before making any immediate decisions, check out some of the most popular ways people pay for these plastic surgery procedures.

What Is a Mommy Makeover?

“Mommy makeover” is a catch-all phrase that refers to a select list of body contouring and firming procedures. This list typically includes:

  • Breast augmentation, or a breast lift. A breast augmentation will address breast size, usually with silicone breast implants, while a breast lift will address the issue of sagging breasts and a loss of firmness and position due to breastfeeding. Both problems are attributed to breastfeeding in addition to weight gain and weight loss throughout pregnancy and post-partum. (A breast reduction is also an option).
  • Tummy tuck. A tummy tuck is a type of cosmetic surgery that helps remove sagging skin in the abdomen area and tightens abdominal muscles. Tummy tucks can also help address stretch marks and C-section scars.
  • Liposuction. Liposuction works to remove stubborn areas of fat where exercise and diet fail. The cosmetic surgery can also help reduce the appearance of cellulite throughout the entire body.
  • Non-invasive fat removal. Non-invasive fat removal, such as cool sculpting, helps sculpt specific body areas over several sessions without incisions or local anesthesia.
  • Brazilian Butt Lift (BBL). The Brazilian Butt Lift is a popular cosmetic surgery that aims to improve the butt’s overall shape and size. For mommy makeovers, it typically works to address sagging to create a rounder and firmer butt.
  • Arm lift. An arm lift, or brachioplasty, is a procedure that reshapes the bottom portion of the upper arm. Essentially, it tightens and smooths loose skin and excess arm fat.
  • Thigh lift. Thigh lifts work similarly to arm lifts, reducing excess skin and fat on the upper legs for a more contoured and smoother appearance.
  • Body contouring. Body contouring works to shape and tighten targeted areas from head to toe. It addresses abdominal etching, sagging skin, loss of firmness, and more. This surgical procedure is usually performed towards the end of the mommy makeover as a final touch.

One of the most appealing things about the mommy makeover is that it’s not a set list of cosmetic surgery procedures. Each makeover is personalized to address the unique needs of each patient — which will directly affect your financing options.

Plastic Surgery Financing

The total cost of your cosmetic surgery procedures will depend on whether you want the “full package” or only require a few cosmetic surgery procedures. In addition to the surgical procedures, you’ll also be looking at various fees, such as:

  • Surgeon’s fees
  • Operating room fees
  • Anesthesia fees
  • The costs of surgical garments and equipment
  • Overnight hospital stays and recovery requirements

It’s also important to understand that these are elective procedures. Therefore, your medical insurance likely won’t help with your financing. With all of this in mind, here’s the overview of your financing options for a mommy makeover:

financing mommy makeoverCredit Cards

Most surgical practices accept most major credit cards like American Express, Visa, or Mastercard for financing. If you have a healthy relationship with your traditional credit card, you may have enough room to cover the cost of one or all of the surgical procedures and non surgical procedures listed above.

Using your credit cards can be the best of plastic surgery financing options if you only require one or two plastic surgery procedures. That way, you can focus on each monthly payment rather than a lump sum.

Care Credit

CareCredit offers a credit line explicitly granted for healthcare industry purposes by Synchrony Bank. One of the best features of having a CareCredit healthcare credit card issued to you is that it runs many interest-free promotions, which means you won’t end up paying more in the end with your payment plan.

There are no annual fees and usually a low monthly payment plan with good credit scores.

Alphaeon Credit

Alphaeon credit is another type of healthcare credit card used for desired procedures and medical emergencies, just like care credit. Alphaeon credit also requires a good credit score for credit approval. Once approved, you can use your Alphaeon credit cards for anything medical-related with low monthly payments and extended payment plans along with other benefits, like flexible payment options.

Healthcare Lending

Healthcare lending refers to unsecured personal medical loans that cover healthcare costs. These personal loans can be used for both emergency and desired procedures, such as plastic surgery, in addition to consolidating medical debt.

Some of the more popular lenders include Prosper Healthcare Lending and Premier Financing Company. If you choose to take out a personal healthcare loan to finance your cosmetic goals, ensure there are no pre payment penalties if you cover all of your regular low monthly payments ahead of time.

Special Financing Options

Many patients who wish to get a mommy makeover will usually discuss the plastic surgery cost, financing, and monthly payment options with their surgeons first. Most plastic surgeons will offer some special plastic surgery financing; of course, there will be some sort of collateral required.

The good news is that most surgeons accept cash or a combination of cash and credit. This means you can even split your costs between your Alphaeon credit card and CareCredit credit card or other forms of payment.

mommy makeover financing near meFinancing FAQs:

How much does mommy makeover cost?

The average costs of mommy makeovers range from around $2,000 to $30,000. The actual cost will depend on which cosmetic surgery procedures you choose to have done and what your board-certified surgeon charges for plastic surgery in general.

Do any healthcare providers cover mommy makeover procedures?

Healthcare providers only cover cosmetic surgery if the procedures are deemed medically necessary. All surgical procedures involved in a mommy makeover are strictly elective, so your insurance won’t help you.

What do monthly payments for mommy makeovers look like?

The monthly payments patients pay for cosmetic procedures will depend entirely on how many procedures they choose to have done and which accepted forms of payment or financing options you use. It’s essential to come up with a payment plan without any prepayment penalties according to your budget to avoid having financial issues down the road.

How can I prepare for my mommy makeover?

Prepare for a mommy makeover by consulting with a qualified surgeon, discussing goals, arranging childcare, quitting smoking, adjusting medications, and following pre-op instructions diligently for optimal results and recovery.

Interested in a Mommy Makeover?

If your body isn’t bouncing back as you thought it would after having children, cosmetic surgery may be the answer to achieving your aesthetic goals.

Dr. Dahlia Rice is an experienced board certified plastic surgeon who can help you decide which procedures are right for you in addition to the payment options you should consider to finance each procedure.

Get in touch with our friendly team members at DMR Aesthetics Chicago to schedule a consultation and discuss the various flexible financing options.


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