Many women finance their Mommy Makeover procedures using personal loans, credit cards, or healthcare financing companies. Others use savings or arrange to pay for their procedures in installments.
Although a Mommy Makeover is a big investment, it can actually be more affordable and cost-effective than you may think. My goal for this blog post is to show you that you don’t need to put your dream body on hold; you have options! Learn how to make your Mommy Makeover a reality without breaking the bank below.
Understanding Health Care Financing
Given that insurance doesn’t cover elective procedures, it can be a relief for patients to learn that health care financing is available. CareCredit®, for example, offers a health care credit card with flexible payment plans and competitive interest rates.
Does CareCredit cover Mommy Makeover surgery? Absolutely. My practice is proud to partner with CareCredit and Alphaeon® so that more patients can experience “the Stoker Difference” and get the premium plastic surgery and patient care they deserve. Visit our financing page to learn more about your options.
Why Finance Your Procedure?
Most patients choose to finance their procedure so that they can get their ideal look sooner at a rate and timeline that works best for them. Rather than the stress of saving or raising thousands of dollars all at once, patients can, instead, move forward with their operation for a few hundred dollars each month.
Health care financing gives patients greater freedom and control over their budgets. It is an empowering, guilt- and shame-free option that helps countless moms put themselves first. As so many of my Mommy Makeover patients agree: their only regret is that they didn’t have the surgery done sooner!
Other Payment Sources
Patients may also use savings to pay for their procedure or can ask their surgeon about in-house payment plans to spread the cost over multiple installments. In addition, many banks, credit unions, and private lenders offer personal loans or credit cards with competitive rates so that you can get the funds you need for your Mommy Makeover procedure. Research your options online to ensure you are making an informed decision.
Does Insurance Cover a Mommy Makeover?
Insurance companies typically don’t cover elective (non-medically necessary) procedures. Depending on your combination of surgeries and reasons for pursuing them, such as breast reduction to alleviate chronic back pain, insurance may cover part of your surgery.
For example, your insurance may pay for your breast reduction if a certain volume of fat is removed, but they may not pay for your tummy tuck, even if you have diastasis recti or are getting an umbilical hernia repaired.
Can I Use an HSA or FSA To Pay for Mommy Makeover Surgery?
Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) allow patients to save their pre-tax dollars for use on qualified medical expenses. However, like with insurance, cosmetic surgery typically does not count as a qualified medical expense.
That being said, you may be able to use those funds to cover ancillary expenses, such as pre-surgery diagnostic tests like bloodwork, prescribed pain medication, or post-surgical garments.
Why Online Costs Can Be Misleading
When researching the cost of Mommy Makeover surgery, you’ve probably come across some wildly different figures. This discrepancy is usually related to the practice’s location, the procedures chosen (and their complexity), and the surgeon’s credentials and experience.
Keep in mind that the average prices you see on RealSelf or other sites may not include all expenses related to a Mommy Makeover surgery, such as anesthesia, facility fees, and other costs. You won’t get an accurate quote until you meet with a plastic surgeon.
To Bundle or Not To Bundle
Is it cheaper to combine procedures or schedule them individually? We cover this in more depth in a related blog post, but combining procedures is almost always more cost-effective.
A Mommy Makeover is a good case in point since it’s typically more economical than having separate surgeries. For one thing, you pay anesthesia and facility fees only once. Secondly, you can limit the time off work since you’ll need only a single recovery period and fewer preoperative and postoperative appointments.
If you are dissatisfied with multiple areas of your body, a Mommy Makeover can be a safe, cost-effective way to get your desired look. However, if you’d like to remain within a specific budget, you can always prioritize the procedures most important to you.
Buyer Beware: Price-Shopping Can Be More Than You Bargained For
A word of caution for those tempted to choose a surgeon based on price alone: Revision surgery to fix unsatisfactory results or health complications is drastically more expensive than the original procedure. Do your homework and choose expertise and safety over a budget option—it can save you a lot of money and stress in the long run.
Explore Your Mommy Makeover Options
Although the upfront cost of a Mommy Makeover can be daunting, patients overwhelmingly agree that it is worth the expense. In many cases, the surgery is often more affordable than patients expect, thanks to financing options and a bit of planning.
My staff and I are committed to transparent pricing, honest treatment recommendations, and ensuring our patients feel informed about their care and financial options.
To get your personalized quote and learn more about Mommy Makeover surgery, please request a consultation online or call Stoker Plastic Surgery at (310) 300-1779 to get started.
Leave a Reply