A tummy tuck financing agreement may lead to a slimmer appearance, but it can also lead to a host of other problems and will definitely slim down a person's wallet in the long run. Many options are available to people considering cosmetic surgery. Even people with poor credit may be able to obtain financing. A tummy tuck is a major surgical procedure. The technical term for the cosmetic surgery is abdominoplasty. Basically, a surgeon tightens the abdominal muscles and removes excess fat and skin. According to one website, more than 148,000 abdominoplasty procedures were performed in America in 2007. That ranks the tummy tuck as one of the top five cosmetic surgery procedures in the country. Since cosmetic surgery is generally considered elective, health insurance doesn't cover the costs, so people seek tummy tuck financing. And almost all cosmetic surgery centers in America require the costs of the procedure to be paid in one lump sum, before the surgery is performed. Because of the cost and risks involved people considering the procedure should evaluate their priorities and consider whether or not a slimmer waistline is worth the pain and expense associated with cosmetic surgery. On that note, the Bible says that beauty is vain.
Unfortunately, costs can be prohibitive for many people, so they look for tummy tuck financing to cover the fees. Generally, the cost of the surgery will include three fees: the surgeon's fee, the anesthesia fee, and the facility fee. The three fees combined typically average anywhere from $3,000 to $8,000. The surgeon's fee will be $3,000 to $6,000. This fee varies more than the others because it's difficult to tell exactly how much time the surgeon will spend in the operating room. Typically the procedure lasts from two to five hours. The facility fee ranges from $700 to $1,000. And the anesthesiology fee will usually be $500 to $700. Many cosmetic surgery centers accept cash and credit cards. Some centers have good working relationships with lenders. People who don't have enough cash on hand or credit card limits high enough to cover the cost of the procedure turn to tummy tuck financing or other types of loans.
Before seeking tummy tuck financing, a person should first consult with a board-certified surgeon to determine if the surgery is necessary and safe. The ideal candidate will have excess fat or skin in the abdominal area but will still be in reasonably good physical condition. Surgery may be an option, if no amount of exercise or dieting will shed the fat or skin. Abdominoplasty is usually done with the patient under a general anesthesia. But there are cases when a local anesthetic and sedative are used. The surgeon and anesthesiologist will discuss the options with the patient. Despite the rather simple and silly moniker that is commonly used to describe the procedure, a tummy tuck is a complicated and major form of surgery. Don't be fooled. And keep in mind that abdominoplasty surgery is typically done for reasons of vanity, not health concerns. The procedure reduces the waistline, so a man or woman appears thinner. But surgery is simply the beginning of the process. If a healthy lifestyle doesn't become a priority the newly purchased slender appearance could fade before the loan is paid off. "Favour is deceitful, and beauty is vain: but woman that feareth the Lord, she shall be praised." (Proverbs 31: 30)
Research potential surgeons and become knowledgeable of abdominoplasty procedures before obtaining tummy tuck financing. Basically, the surgeon makes two incisions. Scars will remain. The navel is cut free from the abdominal tissue. Then the skin is separated from the abdominal wall, which exposes the vertical abdominal muscles. These muscles have usually been stretched. Pregnancies often stretch them. The surgeon then stitches these muscles into a new position, which tightens them and shrinks the waistline. After the muscles have been repositioned, excess skin is removed. Any remaining skin is stretched over the abdominal and sutured. This is a simplified explanation of the procedure, and all surgical procedures have risk. Following an abdominoplasty, patients are at risk of infection, hematoma, blood clots, pneumonia, bleeding, and even death. Discuss the procedure thoroughly with the surgeon. During the initial consultation discuss what needs to be done to prepare for surgery and how long the rehabilitation process will last.
Funding is available for people with all types of credit. But people with low credit ratings may need to use a co-signer to secure tummy tuck financing. For the most part, the loan process is fairly straight forward. People with higher credit ratings will qualify for lower interest rates, which run from around six percent up to around 16 percent. Some lenders defer payments for up to three months. And many have no interest options of up to 12 months. Always try to get a fixed interest rate. Otherwise the rate can increase dramatically over the course of the loan period. Typically loan periods are from one year up to 60 months. Minimum loans are usually for $1,000 and maximum tummy tuck financing loans are for $25,000. Look for lenders who don't require any kind of down payment, and don't charge penalties for per-payment of the loan. Both men and women are candidates for the surgery. Usually a person has lost a large amount of weight, but can't get rid of the remaining fat and excess skin. Sometimes a woman has trouble shedding the stubborn fat and skin following a pregnancy. Women who are planning more children should wait to have the abdominoplasty surgery until after their finally pregnancy. Postponing the procedure is suggested because the muscles that get repaired or repositioned can stretch and separate during pregnancy.
Unfortunately, costs can be prohibitive for many people, so they look for tummy tuck financing to cover the fees. Generally, the cost of the surgery will include three fees: the surgeon's fee, the anesthesia fee, and the facility fee. The three fees combined typically average anywhere from $3,000 to $8,000. The surgeon's fee will be $3,000 to $6,000. This fee varies more than the others because it's difficult to tell exactly how much time the surgeon will spend in the operating room. Typically the procedure lasts from two to five hours. The facility fee ranges from $700 to $1,000. And the anesthesiology fee will usually be $500 to $700. Many cosmetic surgery centers accept cash and credit cards. Some centers have good working relationships with lenders. People who don't have enough cash on hand or credit card limits high enough to cover the cost of the procedure turn to tummy tuck financing or other types of loans.
Before seeking tummy tuck financing, a person should first consult with a board-certified surgeon to determine if the surgery is necessary and safe. The ideal candidate will have excess fat or skin in the abdominal area but will still be in reasonably good physical condition. Surgery may be an option, if no amount of exercise or dieting will shed the fat or skin. Abdominoplasty is usually done with the patient under a general anesthesia. But there are cases when a local anesthetic and sedative are used. The surgeon and anesthesiologist will discuss the options with the patient. Despite the rather simple and silly moniker that is commonly used to describe the procedure, a tummy tuck is a complicated and major form of surgery. Don't be fooled. And keep in mind that abdominoplasty surgery is typically done for reasons of vanity, not health concerns. The procedure reduces the waistline, so a man or woman appears thinner. But surgery is simply the beginning of the process. If a healthy lifestyle doesn't become a priority the newly purchased slender appearance could fade before the loan is paid off. "Favour is deceitful, and beauty is vain: but woman that feareth the Lord, she shall be praised." (Proverbs 31: 30)
Research potential surgeons and become knowledgeable of abdominoplasty procedures before obtaining tummy tuck financing. Basically, the surgeon makes two incisions. Scars will remain. The navel is cut free from the abdominal tissue. Then the skin is separated from the abdominal wall, which exposes the vertical abdominal muscles. These muscles have usually been stretched. Pregnancies often stretch them. The surgeon then stitches these muscles into a new position, which tightens them and shrinks the waistline. After the muscles have been repositioned, excess skin is removed. Any remaining skin is stretched over the abdominal and sutured. This is a simplified explanation of the procedure, and all surgical procedures have risk. Following an abdominoplasty, patients are at risk of infection, hematoma, blood clots, pneumonia, bleeding, and even death. Discuss the procedure thoroughly with the surgeon. During the initial consultation discuss what needs to be done to prepare for surgery and how long the rehabilitation process will last.
Funding is available for people with all types of credit. But people with low credit ratings may need to use a co-signer to secure tummy tuck financing. For the most part, the loan process is fairly straight forward. People with higher credit ratings will qualify for lower interest rates, which run from around six percent up to around 16 percent. Some lenders defer payments for up to three months. And many have no interest options of up to 12 months. Always try to get a fixed interest rate. Otherwise the rate can increase dramatically over the course of the loan period. Typically loan periods are from one year up to 60 months. Minimum loans are usually for $1,000 and maximum tummy tuck financing loans are for $25,000. Look for lenders who don't require any kind of down payment, and don't charge penalties for per-payment of the loan. Both men and women are candidates for the surgery. Usually a person has lost a large amount of weight, but can't get rid of the remaining fat and excess skin. Sometimes a woman has trouble shedding the stubborn fat and skin following a pregnancy. Women who are planning more children should wait to have the abdominoplasty surgery until after their finally pregnancy. Postponing the procedure is suggested because the muscles that get repaired or repositioned can stretch and separate during pregnancy.
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