How to Pay for Breast Implants

Health insurance doesn't cover the cost of breast augmentation surgery.

Health insurance doesn't cover the cost of breast augmentation surgery.

Breast augmentation surgery is the top plastic surgery procedure in the United States, according to the American Society of Plastic Surgeons. Using saline-filled or silicone implants, a surgeon can increase your breast size or restore fullness lost through weight loss, childbirth or the effects of aging. Because this kind of cosmetic surgery is elective, medical insurance will not cover breast implants (except for reconstructive surgery following a mastectomy.) So you’ll need to come up with the money on your own to pay for the implants and surgery.


According to the American Society for Aesthetic Plastic Surgery, the average cost, nationally, for breast augmentation surgery as of 2011 was $3,308 for saline implants and $3,694 for silicone gel implants. This amount represents only the surgeon’s fees and cost of the implants. You’ll also need to pay for the hospital or surgical facility where your surgery will be performed, the cost of an anesthetist, and fees for medication and any medical tests you may need before surgery. Your plastic surgeon can give you an estimate of these fees.


Most plastic surgeons provide information about financing for cosmetic surgery. Companies such as Care Credit and HealthOne Healthcare Financing offer programs where they pay for the surgery and you are responsible for set monthly payments, with interest. Interest rates and eligibility requirements vary by company, but you can apply and be pre-approved before you commit to the surgery.

Credit Cards

If the credit limit on your credit card is high enough, you can charge the surgery to your card. Depending on your interest rate, this can be an expensive way to finance surgery. High interest rates will add significantly to the cost of the surgery, depending on how long you take to pay off the surgery, and other balances on your card. If you decide to use a credit card, don’t charge anything else to the card until you’ve paid off the surgery, pay more than the minimum payment each month, and pay it off as quickly as possible.

Sell Something

Selling something you own can give you the money for breast implants. A second car, a motorcycle, a travel trailer, jewelry or a valuable collection might yield the money to pay for your surgery


Many banks and credit unions will allow you to set up automatic savings plans. Each month the bank or credit union will transfer a set amount from your checking account to your savings account. You can set up an account dedicated to your breast surgery, just as some people set up Christmas Club or vacation funds. You could also decide to put all the extra money that comes your way in the form of refunds, money from garage sales, cash gifts, etc., into your surgery savings account.


About the Author

Cynthia Myers is the author of numerous novels and her nonfiction work has appeared in publications ranging from "Historic Traveler" to "Texas Highways" to "Medical Practice Management." She has a degree in economics from Sam Houston State University.

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