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Healthy Cells is a local health magazine with most of the articles written by local professionals. People love to read about healthcare from their local health professionals. Each month includes a wide variety of articles on various topics.
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Cosmetic Surgery: How Will You Pay for It?

Many average middle-class people have a strong desire for a cosmetic procedure, whether it be a bit of BOTOX for a more youthful appearance or a tummy tuck to eliminate the stomach bulge that no amount of exercise can correct.
    Cosmetic surgery is considered an elective procedure and is rarely covered by insurance. So, how do people with little disposable income afford it? There are several options and strategies, but the first step is to get accurate information. Set up an initial consultation with an experienced, board-certified plastic surgeon that you trust to determine which procedure is right for you and how much it will cost.

    The cost may not be as high as you think, or there may be an alternate procedure available that you haven’t considered. It can be tempting to “price shop,” but if the procedure is available someplace else for a lesser cost, you need to ask yourself why. These are medical procedures, and you don’t want to risk scars or permanent disfigurement. Even something as common as BOTOX can have less than optimal results if not performed by a qualified professional.
    So, you’ve had a consultation, have determined which procedure is right for you, you know the cost, and have given it much consideration and thought. You are ready to get it scheduled. But, wait — do you know how you will pay for it? 
    One option is to pay for it the old-fashioned way, by saving up and paying cash. If you are motivated and keep the end result in mind, this can be a good start. However, even the most dedicated saving plan may very well take longer than you want to wait. If you have a Visa or Mastercard credit card that has a low APR or that you get a lot of points on, then you may want to use it to pay for your cosmetic surgery. Just remember that a lot of traditional credit cards do come with a large interest rate which may make it harder for you to pay it off.
    Many people afford plastic surgery by taking advantage of a medical financing plan for part or all of the cost. Twin City Plastic Surgery offers Care Credit and Alphaeon Credit — healthcare financing options designed to let patients pay for medical bills and expenses. One of the best parts about these programs is that it comes with different financing options that make it possible to have low monthly payments and a lower interest rate (depending on your credit and eligibility) than a traditional credit card. It also usually includes an interest-free payment period. Approval is fast and easy and a patient coordinator helps make the process very easy, answers your questions, and makes sure that you understand all the details. Of course, another great option is to apply for a personal loan through your local bank —patients may be able to secure loans at a lower interest rate than traditional credit cards or the healthcare financing options listed above.
    While the cost of cosmetic procedures and surgery is not insignificant, many consider the benefits to be priceless. Medical financing is helping to make this a reality for many people.
    The board-certified plastic surgeons at Twin City Plastic Surgery bring you the latest procedures and newest technologies, along with the attentive care and comfort you deserve. For more information on any procedure, you may contact
Dr. Laura Randolph — 309-664-6222, Dr. Chad Tattini — 309-664-1007, or Dr. Paige Holt — 309-664-4444 at Twin City Plastic Surgery or twincityplasticsurgery.com. Their office is located at 2502 E. Empire in Bloomington.


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