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You may have wanted to undergo a breast enhancement or body contouring procedure for a while now, but the inability to pay for surgery might have prevented you from doing so. Perhaps you have heard that insurance can cover at least a portion of your operation. However, in most cases insurance will not cover cosmetic surgery unless you are seeking it for reconstructive reasons, such as correcting abnormalities resulting from injury, congenital defects, infection, or disease. Affording your surgery may seem intimidating, but there are a variety of options available to help you afford the procedure you desire.

Medical Credit Cards

According to an article published by The Wall Street Journal, medical credit cards have seen a steady increase in their use for financing plastic surgery procedures over the last couple of years. For many patients, paying smaller amounts over a period of time is more viable than paying for the total sum all at once. Unlike their regular credit card counterparts, medical credit cards are more enticing because they typically offer zero percent interest rates.

Bank Loan

Obtaining a loan from the bank for surgery can be a great way of paying for your procedure if you already have good credit. Although there are usually fixed interest rates, patients can make payments on time to avoid any additional fees or penalties.


If you do not have the money to pay for the procedure you want, maybe someone else can help. With the prevalence of plastic surgery in today’s society, it is not uncommon for people to ask their significant other or relatives for plastic surgery as a birthday present or for another special occasion.

At our Pasadena practice, Dr. O’Toole is dedicated to helping you find the best payment option to pay for your procedure if you are having trouble affording it upfront. We accept CareCredit®, the largest healthcare financing program in the country, and they also offer gift certificates for that special person in your life. Dr. O’Toole will help you determine the best way to finance your procedure during an initial consultation.

As an experienced and board certified plastic surgeon, Dr. O’Toole will do everything in his power to help you find a plan that suits your needs. Please contact Pasadena Cosmetic Surgery to schedule a free consultation today. You can either call (626) 689-7800 or fill out our online contact form.