Plastic Surgery

Hi, I am 3 years post op and am looking into having a total body lift. My insurance (Kaiser) will only pay to have the skin removed from my abdomen so my cost will be $22,000.00 for a total body lift. My question is: Has anyone on this board used any of the online plastic surgery financing? I have been investigating some but was not sure how they really work or if they are worth the money to use them. I sure could use some input into this. Thanks Becky