Loans for Plastic Surgery: Tummy Tuck

In February 20, 2014

Loans for Plastic Surgery: Tummy Tuck

Tummy tuck, or abdominoplasty, as defined by, is the surgical process of removing excess fat and skin, and in most cases, restoring “weakened or separated muscles to create an abdominal profile that is smoother and firmer.” adds that abdominoplasty can “smooth unsightly stretch marks beneath the navel” which commonly occurs after pregnancy or after excessive weight loss.

As stated in the website of the American Society of Plastic Surgeons (ASPS), tummy tuck is a “highly individualized procedure” that should be done to fulfill a personal commitment to look and feel better, and certainly not to appease someone else’s desire or fit into an idealized image.

Possible candidates are those who are physically healthy and at a stable weight, those who have realistic expectations, and those who do not smoke. Women who are still considering getting pregnant in the future or those who are planning to lose substantial weight should postpone this kind of surgery because these actions can diminish the results of a tummy tuck.

Types of Tummy Tuck noted that there are several types of tummy tucks based on patients’ individual cases.

Traditional tummy tuck will require work in most of the abdomen which involves a large incision from hip bone to hip bone. The extended tummy tuck will need a larger incision. This is recommended for patients with lower belly flab beneath the navel. Generally, these two types of tummy tuck are for those with most corrective issues.

A less invasive form is the endoscopic tummy tuck wherein a camera, on a long tube, is inserted through small incisions. This type involves the most minimal bruising, swelling and scarring. Laser and mini tummy tucks are also available for patients within 10 percent of their desired weight.

Preparing for a tummy tuck

Once you’ve decided to undergo a tummy tuck, you will need to undergo the following preparatory procedures.

  • Get lab testing or medical evaluation.
  • Take certain medications or adjust your current intake.
  • If a smoker, stop well in advance of surgery.
  • Avoid taking aspirin, anti-inflammatory drugs and herbal supplements which can increase bleeding.

Costs to consider

According to ASPS, the average cost of a tummy tuck is $5,241 based on 2012 statistics. This cost does not include anesthesia, operating room facilities, surgeon’s fee, prescriptions for medications, medical tests, post-surgery garments and other related expenses.

It is also important to consider where you will get your tummy tuck. For example, the procedure may be more expensive in New York as compared to Mississippi. The cost is also higher for females because there are more tests needed.

Most insurance companies will consider this as an elective procedure so this will most likely be not covered by your policy. Aside from spending your savings or maxing out your credit cards, a more viable option is to get a plastic surgery loan.

United Medical Credit (UMC) helps potential patients obtain financing for cosmetic surgery procedures such as tummy tuck. 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 loans for plastic surgery and other services, contact (888) 647-4333, send an e-mail to or visit the website,

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