A Guide to Cosmetic Surgery Financing for Patients

In September 4, 2014

Early this year, the American Society of Plastic Surgeons (ASPS) reported that over 15 million cosmetic surgery procedures were conducted in 2013. This figure, which shows a three percent increase since 2012, includes both surgical and minimally invasive procedures. Reconstructive surgery also saw a boost last year, growing by two percent from the previous year.

The same report also noted that this growth is driven by new products and advances in technologies especially in the field of minimally invasive procedures. According to ASPS president Robert Murphy, the demand for plastic surgery “remains strong,” with facial rejuvenation procedures landing the top spot as the most in-demand procedure last year.

The increase in demand and the introduction of new technologies have made cosmetic surgery more accessible, and yet a stark and unyielding reality remains—cosmetic surgery can be expensive. While there are always “more affordable” options, undergoing cosmetic surgery is a life-changing decision that should be treated as an investment, and should certainly not be scrimped upon.

For instance, the ASPS website notes that the average cost of a facelift is more than $6,500, based on 2013 data. This does not yet include anesthesia, operating room facilities, surgeon’s fees, medications, pre- and post-surgery tests, and other related expenses. Cost is also affected by the geographic location of the clinic, and the surgeon’s years of experience.

Fortunately, prospective cosmetic surgery patients have an option that does not involve cashing out on their savings or maxing out their credit cards. This is option is more popularly known as cosmetic surgery financing for patients.

Cosmetic surgery financing involves dealing with an intermediary organization who acts as a “middle man” between prospective patients, and healthcare providers and vendors. Companies, like renowned California-based group United Medical Credit (UMC), help facilitate cosmetic surgery even for those with bad credit scores.

For those who are new to the concept of cosmetic surgery financing for patients, here are some tips to get started on the right track.

  1. Do research. Before trying to obtain financing, it is important to be prepared with the answer to the most important financial question: How much do you need? A good way to start is by pinpointing a preferred clinic and surgeon, and listing the associated expenses. This way, you only acquire the money that is actually needed, and not get into unnecessary liability.


  1. Be honest. Honesty is a key trait to practice when filling out financing forms. A misleading answer, whether intentional or not, can ruin the chances of approval.


  1. Send applications one at a time. A declined application counts against a person’s credit scores so it is crucial to choose wisely when it comes to deciding on a cosmetic surgery financing company.


Cosmetic surgery financing for patients is a boon for those who need cosmetic surgery done but are not yet ready to pay right away. This kind of arrangement requires a reliable organization with a strong network of partners, and a track record of trustworthy customer service. For more information on this kind of cosmetic surgery financing service, visit www.unitedmedicalcredit.com.

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