paying for plastics...

Ok, I am new to the whole PS area of OH. I need direction.

In the beginning I did my homework and researched WLS and decided what was best for me. Almost a year later had my RNY on 9-12-11. I am doing wonderfully .... and starting to see the skin hang... all over....

So even tho I am early out I want to start planning early. 

I exhausted savings to pay for my RNY. Now I am wondering if there are ways to pay for PS... Are there programs to save money (teaching hospitals?) ways that a novice might not think of? Or just save, save save? I already know I will need a boob lift, LBL (does that include a tt? or are they two sep things?) and arms... I already have serious batwings...

Thanks for any input...

It's a HUGE expense, for sure. Some suggestions I've seen are 401k loans, the usual medical loan companies, low interest credit cards, going out of the country (not as good a deal these days with the dollar being so weak, but still half the price in some areas), teaching hospitals. If you don't trust yourself to save, you could always pay the surgeon monthly for a year or so leading up to your surgery (I've heard of people doing that). You can borrow from lendingclub.com. Oops battery is going dead...

Ok, now, if you borrow from lending club, I think they charge a higher rate for medial loans, so just get a regular loan for a "remodel", lol. I noticed on my credit union site the other day that they do "medical loans" at good rates. I've read of people doing home equity loans to do it. I have also read of people who get student loans and use the "extra" to pay for surgery. 

There are always the "old fashioned" ways, too. You could get a second or a third job (or make your significant other get one). I suppose a sugar daddy is out of the question for those of us who need major reconstructive surgery, lol. 

Anyway, those are some of the ways I've seen people post that they have paid for surgery. You can read more about that kind of stuff on the makemeheal website. There are a lot of young people on that site that want more surgery than they can afford, and they post some pretty creative ways to get what they want. 

Thank you so much for the info. I've never heard of makemeheal website, but I have been checking it out!!!

I like your ideas AND your sense of humor!!!


Thanks again!!!

I am VERY fortunate that my Mom was willing to cover my needed plastics (I guess it is a way to say I am spending my inheritance.), but I changed surgeons and had yo cover about $7,000 in addition to what Mom was planning to put in.  Anyway, I researched several options and here is what I found.....
1) Care Credit is a credit card accepted by many physicians that gives you 6 months interest free each time you use it at one of these physician.
2) I took out a secured loan and with loan interest what it is riht now I will pay 50.00 of interest on my 3 year loan, if I don't pay it off sooner.
4)  Keep your eyes and ears open for money making opportunities.  In other words, I was offered an easy $100 for running a 3 hour workshop.  Opportunities like that are around, come to find out!

Start saving what you can now and make sure your credit is good so that if you need a loan, you can get one.

I got my arms done first because they bugged the bejeezus out of me and I could hide the rest with shapewear. My arms were only $3900. The rest of me had to wait until I got a bit of good fortune. I'm still paying off my lbl/bl, but it was worth every penny.

Laura

And I believe most surgeons include the tummy tightening and moving of the navel with the lbl.

All of you have great advice!! Thanks!! I appreciate all of you willing to point me in the right direction.

BTW - do most make you pay all 100% up front? Just curious...


THANKS!! You all ROCK!! AND you look FAB!!!

Here's how it worked for me. I paid a 60.00 consultation fee, and I got a quote for what I wanted done. That quote listed her surgeon fees, the hospital fees, and the anesthesia fees.

The surgeon requires a downpayment of 10% of her surgical fees to get an appointment on the surgical book. Once that is payed, you get a surgical date, and a date to show up at the hospital where they do surgery so you can pay them their fees. The hospital fees are due about a week before surgery. 

She also books a "pre-surgical consultation" at least two weeks before surgery. When you go that day, you pay her fees in full. You also leave a check or some form of payment for them to send to their anesthesia person. 

She accepts any form of payment, including CareCredit loans, credit cards, cash, or checks. 

I've had cosmetic surgery before, and I've always had to pay in full before surgery with each surgeon that I used. 

Thanks!! I figured that was the case, but wanted to be sure!!