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How to pay for breast implants

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Naked 18+ Gallery How to pay for breast implants.

Most of life's costlier occasions have prescribed financing options: But what do you do if you want cosmetic surgery? Break it down, and the figures are steep. Health care or medical credit How to pay for breast implants. Loans from friends, family. Only in rare instances, such as reconstructive surgery after an illness or accident, will insurance cover the costs.

Consider Kathy Riffey, a former Baltimore medical insurance analyst who lost 40 pounds. Medical credit cards Medical credit cards are the latest wrinkle in borrowing for beauty. Medical care credit cards, such as CareCredit, often come with attractive 0 percent promotions, and some can have reasonable interest rates and payment plans. Since they are How to pay for breast implants to medical expenses, they can lend "a sense of control if you tend to overspend" on regular credit cards, says Billy DeFrance, an El Paso, Texas, financial planner.

There was been a spate of predatory lending allegations against health care card lenders, as well as lawsuits against medical providers who signed unknowing patients up for the cards. Sometimes the cards were marketed as having no interest, or the interest was applied retroactively to the entire balance rather than the remaining balance if a payment was missed or not paid off during the 0 percent introductory period.

Research the card and read the fine print. Do not pay for multiple procedures upfront -- such as a series of Botox injections -- but insist on paying as you go.

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Assuming the card has a reasonable interest rate, this can be an affordable way to pay for the surgery while you maintain or even build your credit.

Don't pay more than 10 percent interest, Kautzmann says. Don't add other purchases to the balance, and do your best to pay off the balance before any introductory rate expires. Bank loan Another option: A personal loan from your local bank or credit union.

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While the interest rates on an unsecured loan from a financial institution run close to or more than those on credit cards depending on your creditworthiness and ability to qualify, of coursebank loans have fixed interest rates and a fixed amount of time in which to repay. Unsecured loan interest rates can add quite a bit to the final cost in interest charges of your elective procedure.

The rates are usually similar to credit card rates, and will vary with the borrower's creditworthiness. For a lower interest rate, you may want to ask about a secured loan where you offer up collateral against the loan, such as a car or housealthough if you end up being unable to make the payments, you risk losing that property.

Home equity loans and lines of credit These are loans against the equity of your house, with interest based on How to pay for breast implants mortgage rates. How to pay for breast implants be easily accessible for homeowners and affordable as mortgage rates remain low. Plus, interest is tax-deductible for most people. An uncertain housing and job market means that you could be left holding your hat should you be forced to sell your home -- or if interest rates take an unexpected jump.

Unsecured medical loans These loans, which can come in the form of personal loans or credit cards, and are often brokered through third parties, such as doctors or brokers.

If you have a low credit score and have trouble finding other sources of financing, this can be a viable option. Interest rates tend to be high or can balloon after an attractive introductory offer. If you have a co-signer and default on the loanthat person's credit will be damaged and on the hook for repayment -- not to mention the hit your relationship may suffer.

Shop around for the best deal. As always, read the fine print, and consider whether financing cosmetic surgery at a high interest rate is truly within your financial goals.

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Doctor payment plans Some doctors will work with patients to create a payment plan that works with their budgets, although most require payment in full prior to the surgery. These plans usually don't include interest. Doctor's offices that do offer financing typically have the flexibility to create a plan that works for each patient. Missed or late payments probably won't show up on your credit score.

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Unpaid loans can still go to a collection agency. Failure to pay could affect your relationship with the doctor if you need or want future procedures. Repayments are automatically deducted from your paycheck over a period of up to five years.

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Easy, quick, no impact on your credit rating, low interest rates in addition to a modest origination fee. You pay yourself the interest -- not a credit card or bank.

You repay the loan with taxed money, creating a situation in which you pay double taxes since you will pay taxes when you eventually withdraw the money in retirement.

If your plan doesn't allow you to make contributions while you're paying off the loan, you lose out on tax benefits and asset growth during the repayment period.

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Loans from family and friends Got a relative with plenty of dough? What about a friend who just came into some money?

Borrowing from friends and family can be tempting. If you can't get credit elsewhere, it might be your only option. Terms can be excellent. Your loved one may be flexible should you make a late payment.

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You will feel really bad if you default on the agreement. If you don't pay interest, the lender doesn't stand to benefit financially. It jeopardizes the relationship. Thanksgiving could be hell. Michelle Copeland, a New York City plastic surgeon, has seen patients receive gift certificates for procedures or set up funds through which loved ones can contribute money toward their surgery. You get the gift you want instead of that tacky holiday sweater.

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You don't have to come up with the money yourself. It doesn't affect your credit. Your request could rally emotional and social support for your pending surgery. You might be too embarrassed to ask. You might not get enough money. Your grandma could be horrified.

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Depending on your motivation, you could even launch a full-blown social media campaign to work toward your goal. The advice for everyone considering optional cosmetic surgery applies: Deferred-interest, 0-percent financing 'deals' costly for many, Medical credit cards: The offers that appear on this site are from companies from which CreditCards.

This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories.

Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. And insurance doesn't typically pitch in to help.

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Plastic surgery's high cost is enough to furrow anyone's brow. Here are 10 payment options: So what are your payment options? If you are considering plastic surgery, here are some payment methods to explore: American Society for Aesthetic Plastic Surgery, Patients should to take a step back after the consultation and ask: It may not be sexy, but the best answer for most people is to save each month until you have the bill covered -- then get the procedure done.

Since How to pay for breast implants care credit cards] are limited to medical expenses, they can lend a sense of control if you tend to overspend on regular credit cards.

Three most recent Credit account management stories: How to create a budget, stick to it and save using apps and card rewards — If you want to create a budget, start by breaking down your expenses into four major categories.


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