What does a breast lift cost? And does insurance cover breast lifts? If you’re thinking about getting a breast lift soon, you may want to check with your insurance. Because many insurance companies consider breast lifts to be cosmetic procedures, they’re usually not covered by medical insurance. This means you will likely find yourself on the hook for the cost of the procedure.
In fact, there are only a few exceptions where insurance might cover a breast lift procedure, including the following:
- Congenital deformity or tuberous breast deformity.
- Reconstructive surgery after cancer procedures, such as a mastectomy.
In rare cases, health insurance companies may also cover some or all of the cost of a breast lift if you’re undergoing a breast reduction procedure to drastically reduce the size of your breasts. At the end of the day, whether your insurance covers your procedure depends on your individual insurance plan.
Insurance plans vary from person to person and company to company. If you’re unsure what’s covered under your medical insurance plan, contact your insurance company for verification prior to scheduling a breast lift, so you avoid any expensive surprises.
If you’re one of the many women having to undertake the cost for your breast lift yourself, you may be wondering how to pay for it. After all, like many other plastic surgery procedures, breast lifts can be expensive. However, there are a few breast lift financing options to consider when planning out how to pay for your procedure. Take a look at the following:
- Explore Your Doctor’s Financing Options: Many doctor’s offices offer generous financing options and payment plans to help patients with their bills. A benefit of this method is that payments made after a deadline won’t harm your credit score. Additionally, many offices will work with you to find a financing option that works well with your budget.
- Get a Medical Credit Card to Cover the Price of Breast Lift: Medical credit cards are becoming increasingly popular, and rightly so. Many cards on the market offer 0% introductory interest rates and can be used for virtually every type of medical expense. At the office of Dr. Elizabeth Harris, we offer a medical credit card known as CareCredit. Like many medical credit cards, the CareCredit card makes it easy for you to pay for medical and beauty procedures, including breast lifts. However, if you choose to use a medical credit card to pay for your breast lift, make sure to have a repayment plan in mind, so you avoid getting bogged down with debt.
- Tax Deductions: If your breast lift or augmentation is meant to correct a deformity caused by a medical condition, such as breast cancer, the IRS may allow you to deduct all or part of the procedure. The amount depends on your income and various other factors.
- Start Saving: Despite it being a long-term option, saving up for the procedure is a good choice because it won’t require you to take on debt. If you’re serious about getting a breast lift and saving money, consider getting a second job or cutting back on certain expenses until you reach your savings goal.
- Sign Up for a Third-Party Loan: Third-party loans involve getting money from another entity, such as a financial broker, or by arranging financing with your doctor to pay for your breast lift. It’s an ideal option if you’re struggling to get your hands on a credit card or another type of loan. However, interest rates on third-party loans tend to be high, so a solid repayment plan is required to avoid debt.
If you’re unsure what option is right for you, give the office of Dr. Elizabeth Harris a call in San Antonio, Texas. We would be more than happy to discuss your options in greater detail, so you can get the breast lift you’ve always wanted.