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What are my options if I want a cosmetic procedure?

There are fewer options out there than before the credit crisis / recession that hit in ’08, but you still have several ways you can go.

Cash of course is king. Can’t ever go wrong with cash and a lot of offices do offer a discount for those paying cash. Personal checks are fine provided they are received early enough before surgery. Trust me, there isn’t a Plastic Surgery office out there that hasn’t taken a personal check a day or two before a surgery only to have the check bounce and the patient dissappear. Kind of the one bad apple spoiling the barrel thing. Credit cards are fine.

Most offices take them all, Visa, MC, Amex and Discover. In fact, I have a few pateints who have the cash ready but use the credit cards instead to get ther frequent flier miles and pay the balance off when the bill shows up.

Now, the financing world has changed. Before the Fall 2008, my office got a daily barrage of offers to finance our cosmetic surgery patients. Well, those offers have dried up and even some of the bigger nationally known banks, like Captial One, who are still viable, have pulled out of the market. But there is still financing available. In my office, we work with a couple of lenders, like Care Credit, that our patients find to be fair and user friendly. So there are still several options out there. If you want to finance the lenders are a little pickier, but they are still lending!

Lee Corbett, MD


All posts on this blog are authored by Dr. Lee Corbett. Dr. Corbett specializes in cosmetic plastic surgery in Louisville, Kentucky.

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