Common Pathways
- Medical financing companies (e.g., CareCredit, Alphaeon, PatientFi)
- Personal loans through banks or credit unions
- Credit cards (0% introductory APR offers, when available)
- HSA/FSA accounts for eligible expenses (facelift is typically not eligible unless reconstructive)
Cross-Border Considerations
Not all financing companies fund procedures performed outside the United States. Verify eligibility before assuming coverage.
What to Confirm in Writing
- Total quoted price and what it includes
- Deposit and refund policy
- Revision policy and additional fees for complications
Elective cosmetic surgery is rarely covered by insurance. Consult a licensed financial advisor for decisions about financing.
Medical Review
Reviewed by: Juan Cuellar, MD — Plastic & Reconstructive Surgery
- Content reviewed
- Elective surgery financing pathways.
- Last reviewed
- June 2026
Selected sources