United Medical Credit

Medical loans offer a new way for financing plastic surgery

In December 10, 2013
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In 2011, the American Society for Aesthetic Plastic Surgery revealed a list of national average for physician or surgeon fees per procedure.

Here are some of the items on that list.


National Average

Abdominoplasty (tummy tuck)


Arm lift


Blepharoplasty (cosmetic eyelid surgery)


Breast augmentation – silicone gel implants


Breast augmentation – saline implants


Breast lift


Breast reduction (men)


Breast reduction (women)


Buttock augmentation


Buttock lift


Chin augmentation


Ear surgery (Otoplasty)




Autologous fat grafting


Forehead lift


Lip augmentation




Lower body lift


Nose reshaping (Rhinoplasty)


Thigh lift


Vaginal Rejuvenation




Fractional Resurfacing – ablative


Fractional Resurfacing – nonablative


Laser Skin Resurfacing – ablative


Laser Skin Resurfacing – nonablative


Non-invasive Tightening


The above stated figures do not include fees for the surgical facility, anesthesia, medical tests, prescriptions, and other miscellaneous costs related to surgery.

With more than 14 million cosmetic surgeries performed in 2012 alone, thanks to the rise of minimally invasive procedures, plastic surgery continues to be among the top spending priorities of many Americans despite its steep cost.

As the demand for and the cost of plastic surgery continually rises, more financing options also become available especially for those whose insurance policies do not cover such types of surgeries, and for those who have bad credit ratings.According to a study published in the official medical journal of the American Society of Plastic Surgeons, more than 55 million cosmetic plastic surgery procedures are predicted to be performed by 2015. This growth will be fueled by increasing consumer awareness, direct marketing and advertising, and technological advancements in non-surgical procedures.

Matthew Libman, president of United Medical Credit says, “Because of the restrictive cost of many surgical procedures, some people are forced to go to other countries to get cheaper surgeries which, a lot of times, tend to be a very huge risk.”

Financing for plastic surgery is no longer as complicated as it was a decade ago. Instead of getting a bank loan, using their emergency savings, or cashing in on all their credit cards, more patients are seeing the value in going to a medical financing company which specializes in medical loans, ” he added.

An industry veteran in financing for plastic surgery and other medical procedures, United Medical Credit (UMC) has more than a decade of experience in offering reliable and flexible payment plans for various medical procedures.

Growing trend

Plastic surgery is a life-changing procedure that is often associated with “vanity” needs. In reality, this kind of medical procedure is also vital for corrective or restorative purposes. Unfortunately, most insurance policies consider plastic surgery as an “elective” procedure so financing becomes a challenge.

    •  “Plastic surgery is not always a whim. Sometimes, it is a necessary step for healing or recovering from an injury or a serious physical condition,” Libman said, “Access to health care is a basic human right and at UMC, that’s what we’re trying to address. We want to give everyone a fair chance at getting the medical procedures they need.”


How it works 

Each prospective UMC client gets a tailor-fit medical financing plan and interest rate that is based on credit score and history, loan amount required and duration of the loan.

For clients with a bad credit score, a co-signer may be required to get loan approval. In some cases when the loan amount is too high, a down payment may be also be required.

UMC offers financing for plastic surgery procedures including (but not limited to) body lift, face lift, scar removal, nose surgery, breast augmentation, liposuction and hair restoration, among others.

Medical loans range from $500 to $20,000. UMC offers Same-as-Cash financing programs ranging from six to 24 months on approved credit and with provider participation.

For more information on financing for plastic surgery and other medical procedures, contact (888) 647-4333, send an e-mail to info@unitedmedicalcredit.com or visit the website, www.unitedmedicalcredit.com.

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