Can You Afford Cosmetic Surgery?
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Posted On :
Jun-10-2010
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Article Word Count :
547
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Overview of the cost implications of plastic surgery and recovery procedures for the typical consumer, with options for financing, and cautions about how now complying with post-surgery can increase total expenses
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Well, can you? While many feel that the use of surgical or other plastic methods to induce aesthetic enhancement in their body or facial features will aid them, fewer have considered whether their pocketbook will look pretty after expending the money needed for cosmetic surgery. The main problem is that such operations are not covered by typical insurance plans, because those plans are geared toward the "necessary" medical procedures and not elective surgery.
Medical costs involved in plastic surgery come in two basic types -- operating costs, and post operating costs. The former refers to the actual expenses related to the initial procedure, while the other refers to the price of the follow-up and support procedures and material needed after the surgery (including checkups with the specialist, medication, diet, support aids, etc.). The total expenses involved in cosmetic surgery may require the consumer to either save up for the project beforehand, or else seek financing to undergo the operation and recovery process.
Many people use either secured or unsecured loans to pay for elective surgery of this kind. An unusual dynamic involved in obtaining financing to enable cosmetic surgery to go forward is that the resulting body correction or enhancement tends to boost up the self-esteem of the patient. This is a unique personal development motivation factor that colors the financial decision, so it should be recognized early such that it does not emotionally overwhelm one's thinking before taking on the debt involved.
A consumer should begin by selecting a surgeon that they trust as the prospective specialist who will both perform the procedures requested, while understanding the financing issues. Some clinics or companies will provide some options for borrowing to the consumer that gives them flexibility in the selection of surgeons or facilities to choose from. Cosmetic surgery financing can include funding levels in the vicinity of $50,000 at a low interest rate compared to other unsecured loans. Because there has been an upswing in the acceptance rates for these types of loans, it may be simpler for consumer to be approved depending on which clinic and specialist they have consulted with.
If the prospective patient has a lifetime record of health problems or propensity toward scarring and other complications, the expected costs of the requested cosmetic surgery may be significantly higher than the inexpensive rate advertised by the clinic, since the typical rate does not reflect the complex profile of a specific individual. Another consideration that should be dealt with in consultation, is compliance with the post operation recovery procedures. If the support equipment is not used, medication not taken, diet not adhered to, etc., it may not only threaten the success of the surgery, but actually run up expenses through the complications of improper recovery.
All patients should nonetheless check with their regular insurance carrier beforehand to determine if any part of the plastic surgery being contemplated is actually covered -- many have found to their surprise that parts of the procedure or recovery does fall under the plan. If consumers research the issue, they will be it in the best position to receive cosmetic surgery in a safe and affordable fashion.
This in turn may impact the ability of the party to afford the financing.
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Article Source :
http://www.articleseen.com/Article_Can You Afford Cosmetic Surgery?_21708.aspx
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Author Resource :
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Keywords :
cosmetic surgery, plastic surgery, procedures, surgery,
Category :
Health and Fitness
:
Beauty
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