Breast Implant Revision Financing

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How to Get a Loan for a Breast Implant Revision

Breast implants are often revolutionary for your self-confidence, but they often need replacing after a certain amount of time, or you decide to make further alterations to make your breasts as perfect as they can be. This surgery is often just as costly (or even more so) as the initial surgery if you are changing the implant itself, and so breast implant revision financing is often necessary to afford the costs of the surgery.

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What is breast implant revision financing?

Breast implant revision financing is any form of borrowing you use to pay for breast implant revision surgery. This pays for the surgery itself, any change in implants, and aftercare.

How does breast implant revision financing work?

You have a range of options available for breast implant revision financing, but most people use a personal loan. This is a lump sum you borrow and can use as you please, repaid monthly (plus interest) over a term of 3-5 years.

Common Reasons For Breast Implant Revision Financing

Some of the reasons why people choose plastic surgery financing are:

  1. Capsular contracture: Capsular contracture occurs when the scar tissue around the breast implant tightens and hardens, causing discomfort or distortion in the breast shape. Revision surgery may be necessary to remove or replace the implants and address the issue.
  2. Implant rupture or leakage: Implant rupture or leakage can occur due to implant failure or trauma. Revision surgery is required to remove the damaged implant and replace it with a new one.
  3. Size or shape dissatisfaction: Some individuals may undergo breast implant revision to change the size or shape of their implants. This could be because they are unhappy with the initial results or desire a different aesthetic outcome.
  4. Implant malposition or asymmetry: Occasionally, breast implants may shift or become malpositioned, resulting in asymmetry or an unnatural appearance. Revision surgery can help reposition the implants and restore balance to the breasts.
  5. Changes after pregnancy or weight loss: Pregnancy, weight fluctuations, and aging can affect the appearance of breast implants. Revision surgery may be desired to restore volume, address sagging, or enhance the overall appearance of the breasts.
  6. Implant rippling or palpability: In some cases, breast implants may develop rippling or become palpable, particularly in individuals with thin breast tissue. Revision surgery can address these issues by adjusting the implant placement or replacing the implants with a different type or size.
  7. Implant aging or complications: Over time, breast implants may require replacement due to normal wear and tear or complications such as implant rotation, deflation, or hardening. Revision surgery may be necessary to replace the implants and ensure the desired outcome.

How much does it cost to redo breast implants? Is breast revision surgery expensive?

The cost of redoing breast implants, also known as breast implant revision surgery, can vary widely depending on several factors. These factors include the specific procedure required, the surgeon's expertise and reputation, the geographical location, the type of implants being used, the complexity of the revision, and any additional procedures or treatments needed.

In the United States, the cost of breast implant revision surgery typically ranges from $5,000 to $15,000 or more. However, it's important to note that this is just an estimated range and the actual cost may vary significantly.

The cost of redoing breast implants usually includes various components such as:

  1. Surgeon's fees: This covers the expertise and skills of the plastic surgeon performing the revision surgery.
  2. Anesthesia fees: The cost of anesthesia administered during the surgery.
  3. Facility fees: Charges associated with the surgical facility or hospital where the procedure takes place.
  4. Implant costs: The cost of the new implants, if they need to be replaced.
  5. Pre-operative and post-operative care: This includes consultations, examinations, and follow-up appointments.
  6. Additional procedures: If additional procedures such as capsulectomy (removal of scar tissue), breast lift, or fat grafting are required, they will contribute to the overall cost.

Is breast revision surgery a painful procedure?

Breast revision surgery, like any surgical procedure, can involve some discomfort and pain during the recovery period. However, the level of pain experienced can vary from person to person and depends on factors such as the extent of the revision, individual pain tolerance, and the surgical techniques used.

During the procedure itself, you will be under anesthesia, so you should not feel any pain. After the surgery, it is normal to experience some pain, swelling, bruising, and discomfort in the chest area. Your surgeon will provide you with pain medications to manage any discomfort during the initial recovery period.

How can I finance breast implant revision surgery?

Here are the most popular options for breast implant revision financing:

  • Personal Loans: This is the most popular option and will allow you to control how you pay for each aspect of your surgery and recovery. How much you can borrow and at what rate will depend on your creditworthiness, but in general you’ll be able to spread the cost over 3-5 years.
  • 0% APR Credit Cards: If you have good or excellent credit you may be able to get a credit card with a long 0% introductory offer to cover some of your surgery costs. A low-interest credit card may be another good option.
  • HELOC: A Home Equity Line of Credit will allow you to borrow as necessary against the value of your home. Interest rates for HELOCs are generally low, but you need to be aware that you may lose your home if you can’t keep up repayments.
  • 401(k) Loan: Some 401(k) plans allow you to take out a loan for a term of 5 years. This is a good option if you have good retirement savings but would like to avoid a credit check.
  • In-House Financing: Many cosmetic surgeons offer in-house financing through a partner lender or, occasionally, directly through the practice. This is usually just a personal loan, so make sure you compare it to external financing options.

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Pros & Cons of Breast Implant Revision Financing

PROS

  • Get the surgery you need now, rather than later
  • Avoid depleting your savings
  • Spread the cost over time
  • Many of the options have low interest rates, especially if you have a high credit score

CONS

  • If you stretch yourself financially to afford the surgery, you may find you have to put other big life decisions on hold until you pay it off
  • If you don’t have a good credit score, you’ll struggle to find affordable financing

How long do breast implant revisions last?

The longevity of breast implant revisions can vary depending on several factors, including the specific procedure performed, the type of implants used, individual factors, and lifestyle choices. While breast implant revisions are intended to address concerns or complications with existing implants, it's important to note that no surgical procedure can guarantee permanent results.

Breast implant revisions can last for many years, but it's essential to understand that breast implants, regardless of the revision, are not considered lifetime devices. The lifespan of breast implants, including revision surgeries, can be influenced by factors such as:

  1. Implant quality: The quality and durability of the implants used can affect their longevity. High-quality implants from reputable manufacturers tend to have better longevity and a lower risk of complications.
  2. Age of the implants: The age of the implants can impact their lifespan. Over time, implants may naturally degrade, develop wear and tear, or experience issues such as rupture or leakage.
  3. Individual factors: Individual factors, such as changes in weight, pregnancy, hormonal fluctuations, and aging, can impact the appearance and longevity of breast implants. These factors can influence the need for further revisions or adjustments over time.
  4. Lifestyle choices: Lifestyle choices, such as engaging in activities that put significant stress on the breasts or not following proper care instructions, can impact the lifespan of breast implant revisions.

Do plastic surgery cosmetic centers offer in-house financing?

Yes, most do. In most cases, this will be offered via a partner lender. Make sure you compare in-house offers to external financing options to ensure you’re making the best decision for you.

Will my health insurance cover breast implant revision surgery?

In most cases, no, but that may be different if you are experiencing health-threatening complications. Talk to your surgeon and insurance company about what is possible if this is the case.

What credit score do I need to qualify for breast implant revision financing?

The credit score requirements to qualify for breast implant revision financing can vary depending on the lender or financing program you choose. Generally, a good credit score is beneficial in obtaining favorable financing terms. A credit score of 670 or above is typically considered good, while scores above 700 are considered very good or excellent.

What kind of interest rate can I expect to pay on a breast revision loan?

The interest rate you can expect to pay on a breast revision loan can vary depending on several factors, including your creditworthiness, the lender you choose, the loan term, and the prevailing market rates at the time of borrowing. Generally, interest rates for unsecured personal loans, which are commonly used for financing medical procedures like breast revision surgery, can range from around 5% to 36%.

Can I get breast implant revision financing with bad credit?

It’s possible, but you’ll likely find the options available to you are unaffordable. Make sure you understand your financial circumstances and how much you can afford to repay each month.

Should you use a personal loan to pay for breast implant revision surgery?

Whether or not you should use a personal loan to pay for breast implant revision surgery depends on your personal financial situation and preferences. Here are some factors to consider when making this decision:

  1. Affordability: Can you comfortably afford the monthly loan payments without straining your budget? Consider your current income, expenses, and other financial obligations. Review the loan terms, including the interest rate and repayment period, to ensure that the monthly payments fit within your financial capabilities.
  2. Interest rates and fees: Compare the interest rates and fees associated with personal loans from different lenders. Look for the most competitive rates and consider any additional charges, such as origination fees or prepayment penalties. Lower interest rates can save you money over the life of the loan.
  3. Creditworthiness: Lenders typically consider your credit history and credit score when determining loan eligibility and interest rates. If you have a good credit score, you may qualify for lower interest rates, making a personal loan a more attractive option. However, if your credit score is lower, you may face higher interest rates or have difficulty obtaining a loan.

How to Qualify for Breast Implant Revision Financing

To qualify for financing for breast implant revision procedures, you can follow these steps:

  1. Assess your creditworthiness: Check your credit score and review your credit report to understand your financial standing. Lenders often consider credit scores when evaluating loan applications for breast implant revision.
  2. Research financing options: Look for lenders or financing programs that specifically cater to medical procedures, including breast implant revision. Focus on lenders who offer flexible terms and competitive rates for these types of procedures.
  3. Prepare necessary documentation: Gather the required documents typically requested for loan applications, such as proof of income, identification, and financial statements. Some lenders may also require details related specifically to the breast implant revision procedure.
  4. Determine affordability: Evaluate your financial situation and determine how much you can comfortably borrow and repay. Take into account the loan amount, interest rate, and repayment period to ensure the monthly payments fit within your budget.
  5. Seek pre-approval: Many lenders offer pre-approval processes, allowing you to assess your eligibility and obtain estimated loan terms without a hard credit check. This helps you compare offers and choose the most suitable financing option.
  6. Submit your application: Complete the loan application with accurate and honest information, including details related to your breast implant revision procedure. Provide all requested documents along with the application.
  7. Review and accept the loan offer: If you receive approval, carefully review the loan offer, paying close attention to the interest rate, repayment terms, and any associated fees. Ensure you fully understand the terms and conditions before accepting the offer.

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