If you’re considering a vaginal rejuvenation, then you’re probably worried about the cost of vaginal rejuvenation. However, it’s important that you don’t allow cost to become a driving factor in your decision-making process. It’s more important that you find a doctor that you trust to give you quality guidance and service than that you go for the lowest bidder. After all, cosmetic surgery is surgery first, and should be considered carefully.
Of course, this advice doesn’t help you when it comes to paying for such an expensive procedure. Thankfully, there are resources available to make payment easier and less stressful. Let’s take a look at why vaginal rejuvenation can be so expensive and what you can do about it.
The Cost of Vaginal Rejuvenation
Why is the cost of vaginal rejuvenation so expensive? The truth is, just about any surgery is expensive, but insurance often steps in to cover a portion of it. Insurance is unlikely to cover anything that can be construed as cosmetic, except in specific situations, which we get into below.
Even seemingly fast surgeries incur costs in staffing, equipment, hospital time, anesthesia, and more. Your vaginal rejuvenation surgery will likely include medication, surgery center fees, nurses and assistant fees, and costs associated with pre- and post-operative care. When you go in for your consultation and ask for a quote, make sure these costs are factored in. Know that you could be looking at greater costs if you experience complications.
Why Won’t Insurance Help?
The general rule of thumb with medical insurance agencies is to cover some preventative medicine and even then only what is medically necessary. Cosmetic surgeries, by definition, are not strictly necessary, even if you feel they are essential to your quality of life, so the cost of vaginal rejuvenation will likely not be covered.
That being said, insurance companies have been known to cover procedures that are traditionally seen as cosmetic. For example, if your deviated septum is causing you persistent sinus issues, then you might get your rhinoplasty (nose job) covered. When it comes to vaginal rejuvenation, surgery may be covered if you’re experiencing medical issues like severe urinary incontinence or a pelvic prolapse.
During your consultation, talk to your prospective vaginal surgeon about whether or not you could appeal to insurance for help. You can also call your insurance company to find out more about their coverage policies.
Payment Options for Cosmetic Surgery
Most people will be paying for the cost of vaginal rejuvenation surgery out of pocket. And that’s OK. If you don’t have the money right in front of you, there are a few different things you can try. Your prospective surgeon will also likely have some options available.
- Payment Plan – Some facilities offer payment plans of their own design. Put simply, they’ll allow you to pay the bill off in installments instead of all at once. However, this is relatively uncommon as it puts the facility at greater risk in the event you don’t pay.
- Medical Credit Cards – Services like CareCredit offer special credit cards for the sole purpose of funding a medical procedure. They are paid off in installments with varying degrees of interest just like any other credit card.
- Unsecured Personal Loans – An unsecured loan is a loan for which you have not put up collateral. For example, a car loan uses a car as collateral while a home loan uses your house as collateral. Unsecured loans tend to come with high interest rates, but they can be a valid choice for funding a variety of needs, including surgery.
Watch Out for Predatory Lending
There are a lot of legitimate lenders out there that want to help you get the funding you need while also protecting their interests. However, there are also a lot of predatory organizations that take advantage of people who are desperate for financial assistance. Look for the following warning signs that a company is not what they seem.
- Ignoring Income – For starters, companies should care about how big of a risk you are. If they are acting like they don’t, then they’re probably trying to rope in desperate people with poor income or bad credit. They’ve also probably got some crazy fine print and enormous fees waiting for you.
- Short Payment Terms – Some lenders may ask you to pay off the loan in full in a matter of a few weeks or you’ll get hit with high interest rates. They may even promise no interest for those first few weeks to sweeten the pot. However, if you had that kind of money, then you probably didn’t need the loan in the first place. They know you can’t do it and want to collect on the penalties that follow.
- Asking for Collateral – If a lender wants you to put up your car title or the deed to your house, then watch out. These lenders don’t want to help you, they want your stuff. They’ll hit you with interest rates and fees that will virtually guarantee that they get what they want.
- Ambiguous Approval Status – Some lenders will tell you that you’re approved only to rip the rug out from under you and say, “whoops, never mind, but here’s a shiny new and more expensive option that you are approved for.” Basically, by getting your hopes up, they are trying to coerce you to agree to a plan that’s not right for you.
Use Your Surgeon as a Resource
Don’t let these options overwhelm you and don’t let the warnings scare you away. It is within your power to pay for the surgery you’ve been wanting. Most surgeons have companies that they work with to help patients get funding. Talk to your prospective surgeon about safe and reliable options.
