Loans for Plastic Surgery: Hair Restoration

In February 24, 2014

Hair loss may seem like a trivial health concern but for those who suffer from it, it is both physically and emotionally distressing.

The American Hair Loss Association (AHLA) website noted that, according to The Washington Post, Americans who suffer from hair loss spend more than $3.5 billion a year in hair loss treatments. This figure is indicative of the gravity of the situation. Most of the time, people just take for granted a thick head of hair until it starts to disappear.

For those suffering from hair loss, hair restoration or hair transplant is a common and effective option to restore confidence and improve appearance.

Hair transplant, according to WebMD, is a “surgery that involves removing a narrow strip of hair-bearing scalp from the back of the head and using it to fill an area with thin or no hair.”

The experts at AHLA note that hair restoration surgery should be a last resort to stop the progression of hair loss. In addition, not everyone who thinks they need hair transplants is actually “qualified” for the procedure. Among other cases, the ideal candidates for hair restoration surgery are:

  • Men and women who have lost hair due to trauma or burns;
  • Men and women who lost hair due to other cosmetic procedures; and
  • Men who have male-pattern baldness.

A hair transplant surgery generally involves the following procedures:

  • The surgeon will clean the scalp and inject an anesthetic to numb the area where a three- to four-inch strip will be removed using a scalpel.
  • The removed strip of scalp will be set aside and the exposed scalp area will be sewn.
  • The surgeon divides the strip of removed scalp into about 500 to 2,000 tiny grafts containing an individual hair or just a few hairs each. The number and type of graft used is based on the patient’s hair type, quality, color and size of the area where it will be transplanted.
  • After the grafts are prepared, the surgeon cleans and numbs the area where the hair will be placed. The surgeon will then create holes or slit with a scalpel or needle, and place each graft in one of the holes. This could take four to eight hours.

Within two to three weeks after surgery, patients can expect the transplanted hair to fall out and notice new growth within a couple of months.

Attendant costs

WebMD estimates that the cost of hair restoration surgery largely depends on the amount of hair to be transplanted. Generally, it ranges from $4,000 to $15,000, and as with most cosmetic surgery procedures, it is rarely covered by insurance.

For prospective patients, an option would be to obtain loans for plastic surgery.

United Medical Credit (UMC) helps potential patients obtain financing for cosmetic surgery procedures such as hair transplants. As an intermediary, UMC has more than a decade of experience and track record in service reliability when it comes to helping prospective patients get loans for plastic surgery, bariatric surgery, fertility procedures, dental surgery, Lasik and eye surgery, hearing aids and devices, and other general healthcare requirements.

UMC offers Same-as-Cash (SAC) programs ranging from six to 24 months on approved credit and with provider participation.

For more information on UMC’s cosmetic surgery credit and other services, contact (888) 647-4333, send an e-mail to or visit the website,

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