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June 10, 2024

What to Know About Tummy Tuck Financing

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

What to Know About Tummy Tuck Financing

Tummy tuck financing can be a tricky topic to navigate for many patients. Naturally, if you’re interested in a tummy tuck in Chicago, the procedure could be of great benefit to you. Carrying around extra abdominal weight and loose skin can be uncomfortable and even painful.

Still, you’ll need to figure out financing if you want to move forward. Like any serious surgery, the price tag for a tummy tuck with an experienced board certified plastic surgeon is not small. Moreover, it is highly unlikely that your health insurance company will cover this procedure, even if you have a great plan.

Therefore, financing really comes down to your savings, budgeting, and finding the optimal financing solution for you. We offer some insight and solutions below.

Financing a Tummy Tuck: Your Options

Most tummy tuck patients will be able to choose from the following cosmetic surgery  financing options:

Up-Front Payment

Naturally, every plastic surgeon will accept up-front payment in full. If you have the funds and can pay for your surgery up-front and in full, this is a great option and will ensure you get the tummy tuck you want.

Credit Card

Many patients decide to pay for their plastic surgery procedures with credit cards. Especially if you can find a low interest rate card and can pay the debt off before the rate increases, you can get a great deal with this option.

Third Party Payment Plan

Tummy tuck financing with poor creditThird party medical loan companies such as CareCredit and Alphaeon Credit often offer competitive rates and reasonable monthly payment options. They will work directly with plastic surgery practices to offer financing to their patients. You would need to have your credit reviewed and would need to prove that you can make timely payments in the amount agreed upon following surgery.

In-House Plastic Surgery Financing Options

Lastly, in some situations, plastic surgeons themselves may offer financing through their practice. This is naturally only an option with certain practices and is usually done on a case-by-case basis. In-house financing would be subject to credit approval, and you’d need to work out the terms of your loan with your cosmetic surgeon.

Tummy Tucks and Health Insurance

So, is it possible to get a tummy tuck procedure covered by health insurance? It’s unlikely.

The bottom line is that tummy tuck surgery can remove excess skin and repair abdominal muscles to ultimately help your day-to-day life and improve your physical well being. Still, it is and always will be labeled as a cosmetic surgery to health insurance companies. And unfortunately, health insurance companies do not pay for cosmetic surgeries because they are not medically necessary.

If you do think you may be able to have your tummy tuck covered by your insurance plan, you’ll need to work this out with your provider. They may require you to get a letter confirming your medical reasons for getting this surgery and documentation that the issue has been troubling you physically for a predetermined amount of time.

Where Can I Find Tummy Tuck Financing Near Me?

Some plastic surgeons have particularly financing friendly options available for their patients. Other surgeons don’t spend a lot of time working with patients to figure out financing and instead leave it to them.

If you are especially concerned about how you will pay for your procedure, you may want to search specifically for tummy tuck surgeons who will help you organize this aspect of surgery. Our best suggestion is to find a few potential surgeons in your area (make sure they are board certified and have tummy tuck experience) and to look closely at their websites to determine what payment options they can help with.

FAQ: Tummy Tuck Financing

Can I get tummy tuck financing with poor credit?

In some cases, you might be able to get financing for cosmetic procedures even if you have poor credit. What will work in your favor is ensuring you have adequate funds to make timely paymentsFinancing a tummy tuck and being prepared to pay a slightly higher interest rate.

If you are specifically concerned about poor credit, consider searching “tummy tuck financing options with poor credit near me” to ideally locate a surgeon (or surgeons) who can help patients in your situation. Credit cards may be a better option for you as well.

Remember, however, that you should never compromise quality for a good price on surgery. Always choose a board certified plastic surgeon who specializes in tummy tucks.

How do most people pay for a tummy tuck?

Tummy tuck patients pay for their procedures in a variety of ways. If the patient cannot pay up-front and in full, typically, plastic surgeons will accept major credit cards or will work with them to set up low monthly payments plans through companies like CareCredit or Alphaeon Credit Card. Make sure they don’t have prepayment penalties. Some surgeons also offer in-house financing, though not all.

What reasons will insurance cover tummy tuck?

After significant weight loss, excess skin can put additional strain on your joints, causing chronic pain and potentially leading to other health issues. If you can show that a tummy tuck will alleviate these problems, your insurance might cover the procedure.

Call to Book Your Tummy Tuck Consultation Today

Tummy tuck procedures can improve your life in numerous ways. Whether it’s a traditional tummy tuck (full tummy tuck), a mini tummy tuck, or an extended or fleur-de-lis tummy tuck surgery, we’ll help you find the ideal surgery for you.

Board certified plastic surgeon Dr. Dahlia Rice is experienced at helping tummy tuck patients navigate the cosmetic surgery experience.

But before we can dive into the nuts and bolts of your procedure and financing options, we’ll need to schedule your consultation appointment and see if you are a candidate.

Please call today to set up your appointment with Dr. Rice. We look forward to hearing from you!


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