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Paying for Plastic Surgery via Medical Financing

Posted last May 6, 2014, 4:40 am in News report article

Cosmetic surgery continues to grow in the US especially with technological advancements in non-invasive procedures. For those who cannot afford to pay cash or directly for their surgeries, plastic surgery financing is an easy and reliable option.


Plastic surgery is no longer a luxury that only rich people can afford. Gone are the days when people had to tap into their savings or max out their credit cards just to be able to get the surgery they want or need.


With plastic surgery financing or medical financing, people have the option to undergo surgery now and pay later under flexible finance terms.


How does plastic surgery financing work?


Here are answers to some frequently asked questions.


Can I get approved if I have bad credit?


Yes. Some companies specialize in servicing prospective patients with bad credit. In some cases, a co-signer on the loan may be required to process the application.


What kind of financing options are available?


Companies, like United Medical Credit (UMC), offer Same as Cash programs which can range from six to 24 months on approved credit with provider participation. In some cases, 72-month loan terms are also available.


Is down payment required?


Normally, no. But if the loan is too high or the credit score is borderline approved, a down payment is necessary.


What plastic surgery procedures are applicable for plastic surgery financing?


Almost all plastic surgery procedures may be covered by plastic surgery financing. These include, but not limited to: body lift, face lift, scar removal, nose surgery, breast augmentation, liposuction and hair restoration.


Aside from plastic surgery, medical financing may also be obtained for general healthcare services such as fertility procedures, dental surgeries, bariatric surgery, Lasik and eye operations, and even hearing aids and devices.


How does it work?


Most companies accept applications online. Response time varies but generally, it takes one business day. If approved, an agent will call to confirm approval of the application and explain the terms and conditions. A payment plan will then be established. Once the funds have been disbursed to the provider (doctor), the procedure can then be scheduled.


What are the requirements for application?


Aside from the application, the applicant should present information on credit history and ability to make payments.


Should the doctor be part of or enrolled in the company’s network?


Yes. Provider participation is necessary because funds are directly disbursed to the doctors. This is also to protect the client in the event that the procedure is cancelled (in which case the payment plan cannot be cancelled and the client will still have to pay the financed amount). If the client’s doctor is not part of the network, the medical financing company can arrange to coordinate with the doctor and enroll him in their network.

UMC has more than a decade of experience in acting as an intermediary between patients and physicians as well as vendors. For more information on how to get reliable plastic surgery financing through UMC, contact (888) 647-4333, send an email to [email protected] or visit the website,