Liposuction Financing Options

Liposuction is a type of surgery that uses gentle suction to remove excess fat deposits from the body. Liposuction removes the fat layer located between the skin and muscle, creating a more toned appearance for both women and men. If you have tried dieting and exercise but still have stubborn pockets of fat, liposuction may be right for you. Though it is not considered a weight loss surgery, liposuction can have dramatic effects on targeted areas of excess fat.

Average cost of liposuction surgery

Liposuction costs vary widely depending on the body area being, treated the volume of fat removed, and other variables. According to the American Society of Plastic Surgeons (ASPS), the average surgeon’s fee for liposuction is $3,637. However, this cost does not include all the various fees associated with surgery, such as the anesthesia or facility fee. When taking these additional factors into consideration, the total cost of liposuction surgery can range anywhere from $2,000 to $15,000 depending on the extent of the procedure. Liposuction is usually not covered by health insurance. If the upfront cost is a major concern, look into various financing options to make the liposuction more affordable.

Liposuction financing options

The following are some liposuction financing and payment options to help make your treatment more affordable.

  • Healthcare Financing Company: Many financing companies provide loans or credit specifically for cosmetic surgery procedures. They offer flexible repayment plans, often with low or no-interest options which makes it easier to manage the cost over time.
  • Personal Credit Card: A personal credit card with a sufficient credit limit and a low-interest rate may be an option to consider for financing your liposuction procedure. However, it’s important to be mindful of the interest rates and the potential for accumulating high-interest debt.
  • Personal Loans: Obtaining a personal loan from a bank, credit union, or online lender is another option to finance your liposuction procedure. Personal loans typically have fixed interest rates and repayment terms, allowing you to budget for the monthly payments. Compare rates and terms from multiple lenders to find the most favorable loan terms.
  • Employer Assistance: Some employers offer employee benefits that include medical financing assistance or discounts for cosmetic procedures. Explore your employee benefits package or speak with your human resources department to find out if such options are available to you.
  • Negotiate a Discount: In some cases, plastic surgeon’s offer discounts for paying in full upfront or provide promotional offers for new patients. Ask about any available discounts or flexible payment arrangements to help make your surgery more affordable.
  • Payment Plans: Many cosmetic practices offer payment plans or financing options themselves to help patients manage the cost. With a payment plan, you can spread out the cost of liposuction surgery into manageable monthly payments. Speak with your plastic surgeon about any available in-house payment plans and discuss the terms and conditions that best suit your budget.
  • Crowdfunding: Crowdfunding platforms provide an opportunity to raise funds from family, friends, and even strangers who believe in your goals. Create a compelling campaign that explains your desire for liposuction surgery and share it on social media or various crowdfunding websites.

The decision to finance your liposuction procedure should be made with careful consideration and with the help of a professional financial advisor. Before moving forward with any financing option, meet with a certified financial planner who can help advise you on the best option that aligns with your current financial situation and long-term goals.

Finding a liposuction surgeon

Besides the cost of liposuction, it’s important to find a plastic surgeon who is very experienced. Before choosing a liposuction surgeon, make sure they are certified by the American Board of Plastic Surgery (ABPS) or other established association such as the American Society of Plastic Surgeons (ASPS) or The Aesthetic Society. While being a member in any society or board-certification doesn’t guarantee a successful outcome most certifying boards like these require extensive medical training, experience, and rigorous surgical education which can ensure that the most appropriate techniques are used for your liposuction surgery, while reducing the risk of complications.

Content written by Andrew Proulx, MD | Reviewed by EnhanceMyself Medical Team |Last updated 6/24/2023

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