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Can I Finance my Surgery?
Many patients investigate financing options when considering cosmetic procedures. At Hill Country Plastic Surgery, we can help you decide whether a medical credit card, personal loan, zero-interest credit card, or other option is best for you. Below are some options available to you through our practice.
Buy Now. Pay Monthly
Easily break down substantial expenses into smaller, monthly payments through Cherry. Select from a range of payment plans, including options for 3, 6, 12, 18, or 24 months, some of which come with qualifying 0% APR possibilities.
Experience the convenience of autopay and round-the-clock access to Cherry's user-friendly patient portal. This empowers you with diverse payment methods and full control over managing your payments.
Medical Credit Cards
Care Credit is a medical credit card that is used for only medical related expenses. It involves a straightforward and easy application process. These cards are just like any other credit card. You will have to pay interest on your accrued balance and will have a minimum due each month.
CareCredit has a 0% introductory offer for a specified period. This allows you to pay for your surgery without additional interest payments.
When looking at the options that CareCredit has to offer, be aware that interest rates can be as high as 26.99%.
Medical Financing or Personal Loans
Medical financing companies offer options that work like a loan. There are loans available for some applicants that have 0% interest. Some of these companies will approve you even if you have lower credit scores and offer longer payment terms to ensure that you can make the loan payments. These are great to help rebuild credit as well, but they often have higher interest rates. Rates vary, so check several options before deciding.
We accept PatientFi, which is a financing company that does not pull your credit (so it will not affect your credit score). They also work with Allergan, one of the largest distributors of implants, so you get a discount on your implants and even a free Botox treatment.
We also accept Alpheon and Momnt.
Health Savings Accounts
There are a few HSA’s (Health Savings Accounts) that will allow you to use your funds for cosmetic surgery. You would need to speak with your HR department or call your HSA provider directly and determine their rules/restrictions. Some companies require receipts for everything you spend. If it will not cover the actual surgery, it may cover other services like pre-op testing (often done in the hospital or facility in which your surgery is taking place), medications, and supplies you may need.
0% Interest Major Credit Card
A major credit card (Visa, Mastercard) with a zero percent interest rate promotion can be used to pay for surgery. A long as the card is paid off prior to the end of the introductory period, this can be a good way to avoid additional interest payments.
- Always read the fine print
- Know your interest rates, what will be charged to you, and for how long you have that rate.
- Programs will run promotions throughout the year.
- If you can pay cash for the procedure, you may be eligible for discounts and avoid financing fees.