Learn what plastic surgery costs, what insurance typically won’t cover, and how to compare loans, payment plans, and other ways to finance your procedure.
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Most cosmetic plastic surgery is self-funded out of pocket, with major body contouring and facial procedures frequently reaching five figures. Because health insurance rarely covers aesthetic surgery and pre-tax accounts rarely apply, securing the right financing strategy is a major financial decision that belongs at the start of your planning, not as an afterthought.
Individual procedures like a tummy tuck or deep plane facelift generally run between $12,000 and $22,000 all-in, while combination surgeries like a mommy makeover or full body lift often exceed $30,000. Unless your procedure corrects a documented functional medical impairment, you will be responsible for the full bill. Most patients fund their care using personal savings, in-house practice payment arrangements, medical credit cards, or fixed-rate personal installment loans.
This guide breaks down true all-in pricing for commonly financed procedures, the specific scenarios where insurance contributes, and how to structure your financing without letting a low monthly payment lure you to an underqualified provider.
Total costs depend on surgical complexity, geographical location, and whether you combine complementary procedures into one operative session. The figures below reflect typical all-in self-pay costs, including the primary surgeon fee, board-certified anesthesiologist fees, and surgical center facility charges.
Bundles a tummy tuck with breast augmentation or lift and targeted liposuction, sharing a single operating room and anesthesia fee.
Restructures deeper muscular layers (SMAS). Often paired with a neck lift, eyelid surgery (blepharoplasty), or facial fat grafting.
Excises redundant skin around the abdomen, hips, and buttocks after major weight loss. Staging upper and lower lifts together sits at the higher end.
Comprehensive package modifying bone and soft tissue structures. A growing number of commercial plans cover portions as medically necessary care.
Covers silicone or saline implants, surgical placement, and postoperative visits. Combining implants with a mastopexy (breast lift) increases the fee.
Circumferential liposuction paired with autologous fat transfer. Demand ultrasound-guided injection and board-certified credentials due to higher surgical risks.
Removes excess skin and tightens separated abdominal muscles (diastasis recti repair). Often paired with liposuction of the flanks.
Reshapes nasal bone and cartilage. Secondary or tertiary revision surgery requires cartilage grafting and carries higher surgeon fees.
Removes drooping eyelid skin and puffy under-eye fat bags. If upper lid ptosis obstructs your field of vision, insurance may cover the functional portion.
Follicular Unit Extraction is priced per graft (typically $4 to $8 per graft). Minor touch-ups sit at the lower end, while multi-session full-scalp restorations reach the top.
All-in ranges include surgeon, anesthesia, and facility fees. They vary by surgeon, technique, and region and are not a quote. Figures are drawn from a 2026 cosmetic surgery cost guide, with facial feminization figures from a 2026 FFS pricing guide.
Health insurance plans strictly exclude surgeries performed solely to enhance aesthetic appearance. However, when a procedure corrects a functional deformity, relieves chronic physical pain, or reconstructs tissue damaged by disease or trauma, insurers may cover components of the care.
Common clinical overlaps where commercial health plans often provide partial coverage include:
Have your plastic surgeon submit a comprehensive prior authorization with diagnostic photos, clinical notes, and physical therapy records. Knowing exactly what insurance will pay beforehand allows you to finance only the uncovered cosmetic balance.
Under IRS Publication 502, procedures undertaken purely for cosmetic improvements are not eligible medical expenses. You cannot use pre-tax Health Savings Account (HSA) or Flexible Spending Account (FSA) dollars to pay for elective breast augmentations, purely aesthetic rhinoplasties, or standard facelifts.
However, if your surgery treats a congenital deformity, personal injury from an accident, or a disfiguring medical condition, the functional portion qualifies for pre-tax reimbursement. For hybrid procedures (like a combined functional septoplasty and cosmetic rhinoplasty), the surgeon can provide a split invoice separating medically necessary costs from elective fees. You can legally pay the medically necessary portion using your HSA or FSA card. Keep a Letter of Medical Necessity (LOMN) and itemized receipts on file for tax reporting.
Because elective procedures are largely self-funded, most patients settle their surgical balances through personal savings, clinic-level financing arrangements, or outside installment credit.
| Financing Method | How It Works | Best Used For | What to Watch Out For |
|---|---|---|---|
| Cash savings | Pay surgery fees directly from checking or savings accounts | Patients wanting to avoid all interest charges and loan origination fees | Leaves less liquid cash to cover wages lost during your unpaid surgical recovery window |
| In-house layaway or payment plan | The practice divides the balance into scheduled installments prior to or following surgery | Spreading payments without formal credit inquiries or outside loan applications | Most practices operate on a layaway model requiring 100% payment before surgery day |
| Medical credit card | Revolving healthcare credit lines (like CareCredit) featuring 0% promotional APR periods | Borrowers who are certain they can pay off the entire balance within 6 to 24 months | Carries deferred interest. If any balance remains when the promo window closes, interest is retroactively applied back to day one at up to 29.99% |
| Unsecured personal loan | Fixed-rate, fixed-term installment loan disbursed as cash to your bank account | Funding five-figure surgeries ($10,000 to $40,000) over 2 to 7 years with predictable monthly payments | Interest accrues immediately upon loan funding; approved APR depends directly on your credit score |
| Buy now, pay later (BNPL) | Point-of-sale installment plans configured through apps like Sunbit, Affirm, or PatientFi | Smaller procedures ($1,000 to $5,000) or financing the gap after personal down payments | Short four-payment plans are interest-free, but longer multi-year plans charge high standard interest rates |
On five-figure procedures, fixed-rate personal loans offer safer terms than deferred-interest healthcare cards. If you finance a $15,000 surgery on a 24-month deferred interest card and have even $200 remaining in month 25, the lender adds back-interest on the entire $15,000 dating back to surgery day. An unsecured personal loan protects you with fixed monthly payments and a clear payoff schedule.
Once you receive a formal written quote from your surgeon, you can review prequalified loan offers through the SuperMoney network. Prequalifying takes about two minutes and uses a soft credit check that will not affect your credit score.
When financing a large balance, repayment term is the single biggest factor governing total borrowing costs. Selecting a longer loan window lowers your monthly payment, but substantially increases the cumulative interest you repay over time.
Here is how financing a $15,000 cosmetic surgery balance compares across three common repayment periods at a sample 13% APR:
| Repayment Term | Estimated Monthly Payment | Estimated Total Interest | Total Amount Repaid |
|---|---|---|---|
| 24 months (2 years) | About $713 | About $2,100 | About $17,100 |
| 36 months (3 years) | About $505 | About $3,200 | About $18,200 |
| 60 months (5 years) | About $341 | About $5,500 | About $20,500 |
Illustration only at a sample 13% APR on a $15,000 balance. Actual rates, loan amounts, and payment terms depend on your credit profile and individual lender guidelines.
The 60-month plan drops your monthly payment to $341, but adds $3,400 in interest compared to a two-year loan. Aim for the shortest loan window that fits comfortably into your monthly budget. You can check your rate with our partner SuperMoney using a soft inquiry that will not affect your credit score.
Financing gives you access to a broader selection of providers, but letting low monthly quotes guide your choice of surgeon introduces serious clinical hazards. Cosmetic surgery is one medical field where bargain shopping often leads to costly secondary revision surgeries.
State medical licensing allows any licensed doctor (including general practitioners or dermatologists) to legally market themselves as a cosmetic surgeon. To protect your safety, confirm that your provider is certified by the American Board of Plastic Surgery (ABPS). ABPS certification guarantees that the surgeon completed an accredited plastic surgery residency and operates in accredited surgical centers with hospital operating privileges. This distinction is critical for invasive procedures like Brazilian Butt Lifts (BBLs) and complex tummy tucks, where complications can be life-threatening. If an experienced, board-certified surgeon charges more, financing the difference with a fixed-rate loan is significantly safer than choosing a discount provider to reduce your bill.
Yes, though lower credit scores typically result in higher interest rates, origination fees, or smaller approved loan amounts. Loan approval is never guaranteed.
Unsecured lenders assess your credit history, income stability, and debt-to-income ratio. When reviewing offers, always evaluate the total borrowing cost rather than just the monthly payment. If you do not qualify for reasonable interest rates on your own, consider applying with a creditworthy co-signer, postponing the procedure until you can build savings, or asking the surgical practice if they offer an in-house prepayment layaway plan.
Yes. Combined surgical plans like mommy makeovers or full body contouring are quoted as a single comprehensive treatment plan. You can finance the entire combined balance under one loan. Combining procedures also shares one anesthesia and facility fee, lowering overall procedural overhead.
Personal installment loans and healthcare credit cards generally do not require a down payment, allowing you to finance up to 100% of the invoice. In contrast, surgical practices usually require a non-refundable scheduling deposit ($500 to $2,000) to book operating room time, which applies toward your total bill.
Initial prequalification uses a soft credit inquiry that will not affect your credit score. A hard credit inquiry is only initiated when you formally select a lender and submit a final loan application.
Yes, provided your loan amount is sized to the complete, all-in quote. Always verify that your written estimate includes the surgeon fee, certified anesthesiologist charges, surgical facility time, and postsurgical recovery garments so you do not face unexpected out-of-pocket bills.
Yes. Revision surgeries can be financed through the same personal installment loans and medical credit cards. Because revision procedures are technically challenging, review your surgeon’s written revision policy beforehand to understand what operating facility or anesthesia fees you may owe if minor adjustments are needed.
Most modern personal installment loans carry no prepayment penalties. Making extra payments directly toward your principal balance reduces your total interest charges and settles your debt ahead of schedule.
Cosmetic surgery can deliver life-changing physical and emotional results, but navigating five-figure costs requires clear financial and clinical planning.
Start with an all-inclusive, itemized quote that covers surgeon fees, anesthesia, and accredited facility charges. Confirm whether any reconstructive aspects qualify for insurance pre-authorization, and put available savings toward the bill to reduce the amount you borrow. When comparing financing, choose fixed-rate personal loans or verified payment plans over long-term deferred interest cards, and keep your repayment term as short as your budget allows. Above all, prioritize board certification and safety credentials over promotional financing terms.
Are you a plastic surgery practice? See how to offer your patients monthly payment options.
Disclosure: FigCare Pay is not a lender, broker, or credit decision-maker. When you select “View My Offers,” you are redirected to an independent third-party loan marketplace where lenders determine all rates, terms, and approvals; FigCare Pay may receive referral compensation. Prequalification uses a soft credit check with no credit impact, though completing an official loan application may require a hard inquiry. Cost figures shown are estimated examples that vary by surgeon, technique, and region and are not a quote. This page is general information only and is not medical, financial, tax, or legal advice.
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