Finance and Payment Plans for Surgery

Payment and Finance Options for Bariatric Surgery or Post-Weightloss Plastic Surgery

Paying for your Medical Procedure

There are several payment options and alternatives available to patients wanting surgery, these include Loans, Install Payments, Savings, Credit Cards, Finance Companies or a withdrawal from your Super Fund.

It is important to note that most practices are NOT credit providers.  New Body Specialists directory does NOT provide financial advice and therefore is important to take your own financial situation into account either with or without external financial advice.

If you are interested in the various life-changing operations it is important to note that surgery can be quite expensive, the associated costs from procedures may include a surgeon’s fee, hospital and surgical facility costs, anaesthesia fees, prescription medications, post-surgery garments or other medical tests. There are rarely standard rates between surgery costs as cost varies wildly due to a range of factors including the surgeon’s experience, geographic location and mainly the type of procedure. Unforeseen medical complications may also occur.

Finding the right surgeon is important. You may be tempted to select a far cheaper surgery option but that surgeon may be greatly inexperienced or may cut corners on safety and other medical equipment. For this reason, it is worth deciding on a surgeon who is going to do the surgery correctly and safely.

If you find a surgeon who offers a far cheaper price than others, then the offer is probably too good to be true. Revisionary surgery can be expensive. Always do it right the first time!

gastric sleeve and gastric bypass bariatric surgeon directory

Finance Options for Surgery

Paying for these expensive surgeries can either be done one or two ways, the first being a Payment before your operation. This option is considered for those who have existing savings to pay off the surgery beforehand. We understand that this may not be an available option for all, which leads us to the second option; paying after your surgery. Not every person has the available funds to pay up front for surgery, luckily there are a number of reputable EXTERNAL finance companies available that may be able to assist you with payments.

5 Ways To Fund Your Plastic Surgery or Bariatric Surgery

1. START A SPECIAL PURPOSE SAVINGS FUND FOR YOUR SURGERY

Special Purpose SAVINGS FUNDS may be an option

Visit www.finder.com.au/savings-accounts

Your choice special purpose savings accounts including with Commonwealth, Westpac, ANZ, St George, Bankwest, ING, ME Bank, HSBC, Bank of Melbourne, Bendigo Bank or BankSA.


2. GET AN INTEREST FREE OR LOW-INTEREST CREDIT CARD

Interest-Free or Low-Interest Credit Cards may be an option

Visit www.creditcardfinder.com.au/0-purchase-credit-cards

Visit www.creditcardfinder.com.au/low-interest-rate-credit-cards

A range of banks offer interest-free periods or low-interest rate credit cards as an alternative to medical finance companies


3. SAVE YOURSELF HOME LOAN INTEREST BY SAVING YOUR FUNDS OFF YOUR HOME LOAN

Save up and save interest on your home loan:

Just pay your home mortgage down and redraw when ready to have surgery


4. MEDICAL FINANCE COMPANIES

There are many finance options available to suit all types of applicants

       TLC – Total Lifestyle Credit

MAC Credit  (MAC Credit Applications)

MediPay (MediPay Payment Plan Eligibility)

Medfin (Medfin Quote Request)

Most of these credit providers offer a range of payment and saving up solutions for every personal situation. You need to consider your own financial circumstances when considering if finance is suitable for you.


5. USE YOUR SUPERFUND TO PAY FOR SURGERY

Are you SAVING UP for your life-changing surgery? Maybe Your Super Fund can Help!

Several recent surgery patients have been able to access their Superannuation Funds to pay for their own life-changing surgery. There is a special government process to follow and many forms to fill out, but it could be a possibility.

This may be most likely to apply to:

The ATO is now in charge of assessing applications to early super fund access on ”compassionate grounds”, which include medical procedures to treat life-threatening illnesses and chronic pain. Your Super fund will make the final decision to release the money. Note that not all super funds permit early access of super benefits on these grounds, so you should check with your super fund before applying.

You can find further information on the requirements, including documentation, by visiting the DHS website: www.humanservices.gov.au/customer/services/centrelink/early-release-of-superannuation

You will need to take into account your circumstances if applying for financing for any form of elective surgery.  It is often wise to enquire with an independent financial consultant or financial advisor.


SURGERY PAYMENT SOLUTIONS & FINANCING FOR COSMETIC & PLASTIC SURGERY – MEDICAL FINANCE


TLC – Total Lifestyle Credit

TLC Medical Credit logo

TLC provides payment plan solutions to suit your unique needs for Medical & Cosmetic Treatments . Whether it’s medical or dental TLC provides you with a personalised and stress-free service. TLC provides funding from $2,001 – $50,000. A large range of lending providers is available to suit different types of borrowers.

TLC – fund all Medical/Cosmetic treatments and out of pocket costs
✓ Payment plans from $2,000 to $50,000 – covering all dental fees
✓ No stress – the whole process is managed privately by TLC Consultants
✓ Flexible options – any additional repayments can be added back on to the payment plan at no extra charge
✓ Fast efficient approvals, simply apply online

The repayment for the 3 lower price points :

$2000 (36 months) = $20 per week

$2500 (36 months) = $25 per week

$3500 (36 months) = $35 per week

If you market the prices above please use the below disclaimer based on a $6,000 treatment:

Start your treatment from $35pw with TLC !

Simply complete your info below :

https://medical.tlc.com.au/apply-now/?prnid=MTQ1MQ==

 

to visit TLC – Total Lifestyle Credit – Click Here

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MediPay

MediPay - Easy Payment Plans

Easy Payment Plans for Medical & Dental Procedures

  • A range of Payment plans available
  • No stress – the whole application process is completed with an easy online application form with a decision within 60 minutes
  • No hidden fees or charges
  • Flexible options – any additional repayments or rebates from Medicare/Private Health can be added back on to the payment plan at no extra charge
  • Fast efficient approvals, simply apply online

To go directly to the Mac Credit application and apply, you can click here.


MacCredit

MacCredit - Medical Finance Solution

Specifically designed for clients having Medical & Cosmetic treatments

  • A range of Payment plans available
  • No stress – the whole application process is managed privately by MacCredit expert Consultants
  • Up to 7-year terms
  • Flexible options – any additional repayments or rebates from Medicare/Private Health can be added back on to the payment plan at no extra charge
  • Fast efficient approvals, simply apply online

To go directly to the Mac Credit application and apply, you can click here.

Finance Terms & Conditions with Mac Credit (updated 02/2016)

  • Finance provided by Mac Credit – Credit Representative 484002 is authorised under Australian Credit Licence 389087
  • Speak to MAC CREDIT for a formal quote based on your circumstances and for the full terms and conditions.
  • A full credit and financial assessment would need to be completed prior to acceptance of any offer or product.

What’s The Next Move?

Learn more about your Bariatric Surgery or Plastic Surgery procedure, check out the photo gallery for more before-after photosd or find the closest recommended Bariatric Surgeon or Plastic Surgeon to you. If you still have questions or other enquiries send us an enquiry below!