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One of the ways in which a patient can finance a breast augmentation procedure is by securing a personal loan. A personal loan can often be acquired without the patient being having to use assets as collateral for the loan. However, the loan amount will likely be limited and defaulting on the loan will be damaging to the patient's credit history. Additionally, securing the loan may depend on the patient's existing credit history and the patient's current job and earnings. These factors help the lender to determine whether the patient is a high or low risk. Many lenders will give a loan to a patient for the purpose of breast augmentation financing as long as the patient is considered to a low-risk borrower.
Patients who are considering a breast augmentation procedure may be daunted by the cost of the procedure. Breast augmentation costs can range from approximately $3,000 to $6,000. For patients who do not have this amount of money saved and who do not wish to finance the surgery should consider saving money to cover the cost.
The first step in saving for a breast augmentation surgery involves determining the cost of the procedure. The patient may wish to attend an initial consultation with one or more local plastic surgeons to gauge the approximate cost they can expect to pay for the procedure. It's wise to save a small amount of money beyond the required amount in case the cost of the procedure increases during the time the patient is saving for the cost of breast augmentation surgery.
Once the patient knows how much they have to save, they should determine how quickly they would like to accrue this much savings. This will help to determine how much the patient has to save each month to reach the goal. For example, if the patient wishes to save $6000 for the procedure and would like to be able to afford the breast augmentation in one year, they will need to save $500 per month to achieve the goal.
After this monthly goal is established, the patient must look at their current finances to determine where spending can be minimized. For example, the patient may be able to bundle services such as cable, Internet and long distance to reduce their monthly payments. Other savings options include finding a more affordable cell phone plan, eating out less often and making coffee at home instead of buying coffee at expensive coffee shops. These are just a few of the ways a patient can save for the cost of breast augmentation surgery.
Unlike breast augmentation surgeries which are rarely covered by health insurance, a breast reduction surgery, or mammaplasty, may be covered by health insurance in some instances. The breast reduction costs may be covered if the patient is able to provide documents which prove the current size of the breasts is causing back, neck or shoulder pain and that the breast reduction surgery will alleviate these feelings of discomfort. While breast reduction cost may be covered in these instances, it's unlikely health insurance will cover the cost of a breast reduction procedure if the surgery is being performed solely for cosmetic reasons.
While not all insurance companies consider breast reduction costs to be a covered expense, there are some who will cover these expenses when the size of the breasts is causing discomfort or possibly even restricting the patient from certain activities. Patients who are considering breast reduction surgery should contact their insurance provider. This will give the patient an accurate understanding of whether all of the costs, none of the costs or some of the costs will be covered by insurance. Patients who are experiencing a great deal of discomfort, but don't have the right insurance coverage may have to find other ways to finance the procedure to alleviate the problem.
For many patients who undergo a breast enhancement procedure, such as an augmentation, the breast augmentation financing options are very important. The cost of breast augmentation surgery can vary widely, but in general the procedure is expensive and not likely covered by health insurance. Approximate ranges for this type of procedure may vary from $3,000 to $6,000, but the price can be significantly lower or higher. While many potential breast augmentation patients may not have this amount of money in savings, there are financing options available.
Many surgeons will provide a breast augmentation financing option to patients who wish to undergo an augmentation procedure. The terms of these financing options vary from one surgeon to the next. Therefore, patients who are considering breast augmentation should inquire about financing options early in the process to determine whether the options available suit their financial needs.
Patients who are seriously considering breast augmentation may also consider taking out a personal loan to finance the breast augmentation. The ability to secure a loan for will depend on the patient's credit history and the patient's income. However, if the patient qualifies for the loan, they may be able to afford the surgery.
Breast augmentation patients who own their own home and have a home equity line of credit may also be able to use these funds to finance a breast augmentation procedure. For many patients, this option is ideal as the funds in a home equity line of credit are often available for any purpose desired by the homeowner and likely carry a low interest rate.
Finally, using a credit card to pay for a breast augmentation surgery can be considered a financing option because the patient will be repaying the debt over time according to the terms of the credit card. This is a viable option as long as the available credit on the credit card is enough to cover the cost of the surgery. Ideally, the maximum credit limit will also enable the patient to still have credit available for other purposes after paying for the breast augmentation surgery. However, most credit cards carry high interest rates so this may not be the most economically sound option for breast augmentation financing.
Patients who are considering breast augmentation surgery should carefully consider how much breast implants cost before making the decision to undergo the procedure. This is a very important consideration for most patients because most health insurance plans will not cover the cost of breast augmentation surgery and may not even cover additional procedures which result from complications from breast augmentation surgery. This is significant because breast implant surgeries can range from approximately $3,000 to $6,000, depending on a number of different factors like the location and the skill level of the surgeon.
While cost may be an important concern for many potential breast augmentation patients, it is not a good idea to select a surgeon based solely on price. The experience and skill level of the surgeon should be the primary consideration in making the decision. When comparing two surgeons with similar levels of experience and skill, it is acceptable to consider price in making the decision. Otherwise, potential patients should opt to forgo the procedure before selecting a less expensive surgeon who does not appear well qualified. This is vital because an inept surgeon can cause problems ranging from cosmetic issues to life threatening complications.
Cost conscious patients who are considering breast augmentation might wonder whether saline implants or silicone implants are more cost effective. There are certain types of silicone implants thar are significantly more expensive than saline implants. In general, the cost of a breast augmentation using saline implants will be comparable to a procedure using silicone implants. The range for the total cost of saline implants including surgeon's fees, hospital fees and anesthesia is approximately $3,000 to $6,000, with some surgeries costing significantly more or significantly less than this amount.
Breast augmentation is not an inexpensive procedure. Furthermore, it is considered to be a cosmetic surgery so it's unlikely that many health insurance plans will cover it. Determining the exact cost of breast augmentation can be difficult because it depends on a number of factors, including the surgeon's experience and skill level, the hospital where the procedure is performed and even the part of the country where the procedure is performed. An approximate value for the cost of breast augmentation surgery ranges from $3,000 to $6,000.
Patients who do not have enough money saved up to undergo breast augmentation surgery may still be able to have the procedure performed. In these cases, the patients should carefully evaluate their feelings to determine how important the procedure is to them. If they feel the procedure will be worthwhile and will result in a pronounced increase in self esteem, the patient may opt to find alternative ways to finance the procedure such as working out a payment plan with the cosmetic surgeon, taking out a loan to finance the procedure, using an existing home equity loan to finance the procedure or even charging the procedure on a credit card and repaying the debt according to the agreement with the credit card company.
|Sheri Ann Richerson|