I covered some with cash and then the rest with a personal loan. I also took out a new credit card with a large bonus for spending a certain amount in the first 90 days. I put it on the credit card and then paid it off with the cash/loan money immediately. Between the bonus and the points I got about $1,500 back that way.

Not to mention shoes and insoles that have to be replaced every 300-500 miles! Lol!

I've had 3 surgeries totaling $48K, and used savings and a low interest credit card. I'm very frugal and live an inexpensive lifestyle which helps. I joke that my most expensive hobbies are running, yoga and my grandkids. I work full time and try to do any overtime offered. Being frugal as I am, the amount I've paid is well worth the self-confidence I've gained. It's also motivation to maintain my weight. I know it's an intimidating cost, but completely doable if you set your mind to it.

I've heard of others using a home equity line of credit, as Gwen did. Also, I've heard of some taking it out of a retirement account (not sure I'd recommend that, though - although it might be fine at your age (70) as long as you have enough left over to get you through the rest of your life). I used some inheritance money for mine. If it weren't for that, I probably would have gone the home equity route.

White Dove has a point - what does he want you to do in 2019 to lose 50 pounds that you haven;t already tried? Even if you do not lose much more weight, with the apron gone, you might be able to be more mobile and have overall improved health outcomes. I heard that New Mexico medicare will cover Pani and bracioplasty.

Does your PS specialize in WLS patients - if not, find one that does. Stretched out skin responds differently from some mom who gained 30 pounds and needed a tummy tuck. A PS that specializes in WLS patients will be able to tell you what to expect and how to get there. My PS specialized in WLS, since he was a resident. (Dr Joseph Michaels in the Washington, DC area.) I am totally happy with body results.

There used to be a plastic surgery TV show and they did surgery on people 180-200 pounds. Dr Now also looks like he goes PS on heavier people - but usually I see a mobility issue, not just a cosemetic purpose.

I found these new posts on the internet - Dr Voung has some good info - but be prepared for the f-bombs.

https://www.youtube.com/watch?v=MoMWdgAp51c