Financing Your Rhinoplasty
Surgery isn’t cheap. Most of the time, medically necessary operations are partially or fully covered by insurance, but what about cosmetic surgery? Cosmetic surgery is often as expensive as non-elective procedures, but insurance companies rarely pay for any part of a cosmetic surgery. If you’ve always been unhappy with your nose, then you’re probably considering a rhinoplasty. However, you may be facing sticker shock due to the cost of the procedure. So how do you pay for your surgery?
Many People Have to Finance
Since many people do not have several thousand dollars saved up to drop on a procedure all at once, many people seeking plastic surgery have to find some sort of payment plan, loan option, or other financing strategy. Don’t feel like you can’t undergo your surgery if you don’t have all the money right away – just be smart about how you finance and pay off your balances.
Talk to Your Family
If your financial decisions affect other members of your family, you will obviously need to get their input. Perhaps it’s not a good time for you to take the plunge. Or, maybe you can make the surgery work by cutting the family budget somewhere. Honest, open communication will help you gain the support of your family and help you make an informed decision about how to move forward.
Make Sure You’re Comfortable
Even if you’ve always wanted to undergo rhinoplasty surgery, you might not be in the financial position to do so at the moment. Is paying for the procedure going to cause a great deal of financial stress and hardship? If so, you might want to wait a while until you’re more comfortable with taking on the financial burden of plastic surgery. Don’t rush into your decision.
Be Wary of Bargain Prices
You should never choose a surgeon based upon his/her rates for rhinoplasty. Rhinoplasty is one of the most difficult cosmetic operations to perfect and should only be performed by board-certified facial plastic surgeons who specialize in the procedure. A surgeon who charges much less than other doctors for his/her services can raise a red flag. Choose your surgeon based upon experience, testimonials, credentials, knowledge, and bedside manner, not on price. Remember, a second operation to correct changes made by a less experienced doctor is far more costly than paying for quality initially. In addition, revision rhinoplasty is even more difficult than primary rhinoplasty, thus making it more expensive.
Different Areas, Different Rates
Rhinoplasty costs fluctuate depending on the surgeon and the region. Plastic surgery in big cities is often more expensive than in less urban areas. You may be able to find a slightly better deal with a qualified surgeon in an area further from a large city.
You Can’t Rely on Insurance
Some people believe that insurance will pay for a rhinoplasty if the surgery will involve correcting functional issues with the nose, such as a breathing problem caused by a deviated septum or other issue. In some instances, an insurance company will pay to fix functional nasal issues, but they will not pay for any cosmetic changes made to the nose at that time. The patient must cover the remaining costs.
Saving for Your Future
Don’t like the idea of financing with loans or payment plans? Good, old-fashioned saving for the procedure can take a long time, but allows you to undergo your procedure without financial anxiety. The most important aspect of undergoing and paying for plastic surgery is your comfort level. In order to be happy with your outcome, it helps to be at ease with all aspects of the process. Depending on your credit history, you may not be able to borrow enough to cover the full procedure, so you’ll need to save enough to cover the rest of your procedure in any case. Finally, some doctors do not accept certain financing options, so be sure to ask about payment policies during your consultations with prospective surgeons. Dr. Bentkover’s office will allow you to pre-pay for your surgery in payments spread out over a number of months if that works better for you.
Read the Fine Print
Be sure you completely understand the terms of your chosen payment option. You don’t want to end up paying much more for a procedure because the interest terms weren’t what you expected. Read, question, and understand the terms before you borrow!
Talk to Your Surgeon’s Office About Financing
Surgeons differ on how they handle financing. A good first step is to carefully research, screen, and select your surgeon. That way, you can narrow your financing options based on what your top surgeon choices offer and recommend. Don’t settle for a surgeon you don’t trust!
Time to start consulting with surgeons in the Boston/Worcester area? Contact Dr. Stuart Bentkover in Worcester (508-363-6500) or Stoneham (617-247-0033), Massachusetts, to set up a consultation.