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Body Contouring Financial Considerations

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Plastic surgery has become much more acceptable in our society and for some people – especially those who are troubled by excess skin from major weight loss – it is the logical next step in a life long journey of self-improvement.

Body contouring surgery generally is not covered by medical insurance but we pursue any possible coverage with your insurer and will help you explore all available financing options.

Examples of procedures that may be covered are panniculectomy in a patient who has a large apron of skin and has a persistent rash despite using prescription creams; or breast reduction in a patient who has symptoms of upper back pain, bra strap grooving, and a severe rash because of large heavy breasts.

Financing Options

There are a number of financial options that you can use to help pay for plastic surgery after weight loss. For example, your employer may have a flexible medical spending account that allows you to set aside pre-tax dollars to pay for medical expenses not covered by insurance.

Another option is to use a finance company that specializes in cosmetic operations. Just like financing a new car or big screen TV, certain banks will set up a payment plan for your surgical procedure. Our staff can provide information about these plans. You also can use credit cards or take out a home equity loan.

Finally, many people start a “new body” savings fund at the time of their gastric bypass. Over a period of 12 to 18 months, this fund can grow quite a bit, especially if family and friends make contributions on birthdays, holidays, and other special occasions. Regardless of how you pay for your surgery, you also should check with an accountant to see if the expenses are tax deductible.

It is not uncommon to have “touch ups” after body contouring surgery. Make sure you understand your surgeon’s policy on revision surgery. Surgeons may be able to offer revision surgery without charging for their time, but they may not have any control over anesthesia charges or fees for using an operating room.

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