| One of the issues that arises when you decide upon plastic surgery is how to pay for it. If you expect your health insurance company to cover it, you are going to be in for a surprise. Health insurance companies are considered risk management entities. They are designed to provide insurance to you in the case of a situation where the risk of a health problem comes to fruition. This can occur from a diagnosis of something wrong with your health or in a trauma situation such as a car crash. In making this determination, you are almost always covered for procedures and treatments that are “medically necessary.?As you can imagine, there has been more than a bit of argument over what a medically necessary treatment is exactly. What has been agreed upon, unfortunately, is elective surgery to enhance your body is not medically necessarily. Putting this in English terms, your health insurance company is not going to pay for your plastic surgery unless a doctor can convince them there is a medical reason for it. Improving your self-image is not going to cut the mustard in this regard. If insurance isn’t going to cover the procedure, what can you do? Well, you have a couple of options. As you might imagine, PLASTIC surgeons are receptive to payments through plastic, to wit, they take credit cards with a smile on their face. Even if they don’t, you have the cash advance option. The problem with this approach, of course, is running up credit card debt is neither a smart move nor a good deal with interest rates in the teens. The same goes for financing your plastic surgery although interest rates are a bit lower. One less obvious approach is to fund your plastic surgery ahead of time. Plastic surgeons are more than aware that health insurance does not cover their services. As a result, they are willing to think out of the box on payment for services rendered or…to be rendered. Yes, many a plastic surgeon will take payments in advance for your procedure. The process is fairly simple. You get a flat fee quote from the doctor. You then come to an agreement on a monthly payment to be made. Once you make enough payments to meet the cost, it is time for your surgical procedure. If this sounds interesting to you, inquire with your surgeon to find out if it is possible. |
