Rhinoplasty Financing Options

Rhinoplasty, or a “nose job,” is a type of surgery performed to correct the shape or size of the nose. During a nose job, the bone, cartilage, and other tissues comprising the nose are gently reshaped by a surgeon to create the desired appearance. Rhinoplasty can achieve improved facial symmetry or make the nose larger or smaller, reshape the tip, or adjust the contours of the bridge of the nose. Rhinoplasty has also made it possible to repair a broken nose, a deviated septum, or a congenital defect affecting the appearance or function of the nose.

Average cost of rhinoplasty

The average cost of rhinoplasty $5,482, according to statistics from the American Society of Plastic Surgeons (ASPS). However, this does not include all the costs associated with surgery, such as the surgical facility or anesthesia fee. When taking all the additional fees into consideration, the total cost of rhinoplasty can range from $5,000 to $15,000. Be sure that you understand all the costs before deciding to undergo surgery. When rhinoplasty is performed for cosmetic reasons, it is not usually covered by insurance. Procedures performed to correct birth defects, medical conditions, or injuries may be covered by your insurance policy. If you are paying out of pocket, ask your surgeon about financing options to help make surgery more affordable.

Rhinoplasty financing options

The following are some rhinoplasty 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 rhinoplasty 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 rhinoplasty 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 rhinoplasty 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 rhinoplasty surgery and share it on social media or various crowdfunding websites.

The decision to finance your rhinoplasty 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 rhinoplasty surgeon

Besides the cost of rhinoplasty, it’s important to find a surgeon that is very experienced. When researching for a rhinoplasty surgeon, make sure they are certified by the American Board of Plastic Surgery (ABPS) or other association such as the American Society of Plastic Surgeons (ASPS), or American Academy of Facial Plastic and Reconstructive Surgery (AAFPRS). Even though a membership in any society or board-certification does not guarantee a successful result 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 rhinoplasty surgery while reducing the risk of complications and a quick rhinoplasty recovery.

Content written by Andrew Proulx, MD | Reviewed by Charlie Chen, MD | Last updated 6/17/2023

Article Sources

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