How to Finance Breast Implants

Breast implants are not usually covered by insurance companies, notes the American Society of Plastic Surgeons. This makes you responsible for the costs incurred from the surgery, including facility costs, anesthesia fees and the cost for the actual implants. While paying for the breast implants up front is the best option, you can explore other ways to finance implants. A family member, financing company or your own savings account can help finance the body that you've always hoped for.

Silicone breast implants. (Image: BranislavP/iStock/Getty Images)

Step 1

Talk to the plastic surgeon's office about financing options. While not every surgeon will offer financing, many do as an incentive to have the procedure done. Talk about interest rates, when the loan needs to be paid back and how much of the procedure would be covered by such a loan.

Step 2

Choose a financing company that specializes in cosmetic procedures. Companies like CareCredit and Capital One Health Care Finance routinely arrange for financing for cosmetic procedures, and can even refer you to plastic surgeons that they've worked with before, says You'll need to discuss the terms and interest rates before choosing this type of financing, but you can find no-interest plans, or plans that allow you to get your breast implants immediately, without waiting.

Step 3

Put the cost of the breast implants on your credit card. Most plastic surgeons happily accept credit cards. As long as you have a credit card limit of at least $6,000, you should be able to finance the cost and then make monthly payments to your credit card to pay down the balance. Note that credit card interest rates are typically moderate to high, and you could damage your credit by not making payments on time.

Step 4

Ask a family member to help finance your breast implants. If it is a procedure that you believe you need to be happy, a relative may be willing to loan you the money to pay for the implants. Make sure to draw up a contract and repayment plan so that borrowing money from a family member doesn't hurt your relationship; terms and conditions should be spelled out carefully so that there is no confusion.

Step 5

Save your money for breast implants. Open a new account at your bank, and deposit a percentage of your paycheck there each time you are paid. As of 2010, breast implants cost in the range of $5,000 to $6,000, according to the Johns Hopkins Cosmetic Center, so it is not unheard of to finance the implants on your own through diligent saving.

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