Can You Apply for a Medical Loan for a Plastic Surgery?

Can You Apply for a Medical Loan for a Plastic Surgery

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The mass media is constantly showing us a twisted view of beauty. Every time we switch on the television, we see actors and actresses in their oh-so-perfect faces and bodies. The silver screen is made up of people reshaped by a bunch of silicon and anesthesia. But they look so fabulous and beautiful that the popularity of plastic surgeries rapidly boomed not only in Hollywood but all over the world. People from different walks of life wanted to look prettier and skinnier that they are willing to go under the knife to achieve their dream features. Unfortunately, plastic surgeries cost quite a lot of money especially if you want o change pretty much everything. Michael Jackson has spent millions of dollars for his drastic transformation. Heidi Montag spent approximately 30 thousand USD for her 10 surgeries in 1 day spree. A regular Joe cannot afford such amount so many are asking if they can apply for a medical loan for a plastic surgery.

While there are reconstructive surgeries covered by your health insurer, plastic surgeries that are not due to malformation, disease or accident are not. Before you sign that consent form, make sure that your insurer knows about the details of the surgery. DO NOT ASSUME. There are insurance policies that you must follow and elective procedures such as a nose job, botox, or liposuction are usually explicitly stated as not covered. Ask your doctor to prepare a detailed pre-authorization letter with procedure details. Send it to your insurer immediately to be reviewed. If the plastic surgery is due to malformation or is trauma-related, send the ICD-9 and CPT codes with the letter to ascertain if you are covered by your insurer or not. If in case you are denied of the insurance, then you will have to ask for a medical loan.

Think first before you ask for a medical loan because it can be quite risky especially if you won't be able to pay for it. Do not forget that medical loans are also the same as other types of loan, you have to pay for the interest and it can cause damage to your credits once you start missing your monthly payment. It is okay to undergo a plastic surgery if that is all it takes to increase your self-esteem but you have to carefully plan for it. You will be able to enjoy your new look more if you are not anxious about missing your loan payments.

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