surgery financing?

[grachuss]

Do most palstic surgeons want the money up front or is there any hope of doing monthly payment through them?

[nothingworse]

It totally depends on the surgeon. You can look online and do searches in an area close to you to find a surgeon that does monthly payments. They have 18, 24, 36, 48, 60 month payment plans. That makes surgery more affordable for more people. I am sure there would be a skilled surgeon in your area that has done gyne cases that also does the financing. But, alas many surgeons want payment up front. But, by paying up front you are able to do one other important thing and that is get a large discount off the total estimated surgery cost. Usually as much as 40%. It depends, like when you are buying a car from a dealership and all dealerships go about things differently. You can get gyne surgery for $2200-3200 total. It is usually before discounts an average of $3800-5200. So, thats another option you can consider and yes you can defenetly negotiate a huge amount off surgery when you pay up front. My dads gets his insurance through his work and he needed a defibulator and the total cost for the insurance or his company to pay out for his surgery in the beginning was $73,000 and his company was able to get the surgery costs down which saved his company $30,000. The company paid then $43,000. A lot of people say surgery in Tijuana is cheaper which in fact it is. But, if you are paying up front in the U.S. and negotitate a better price with the surgeon getting it for only a little more or close to the same costs as it would be in Tijuana. I would feel safer getting it done in the U.S. because of surgical skills. Not saying that there aren't good surgeons everywhere in the world though. You just never know. Anyways this is an option you should consider. Good luck and best of luck with your surgery financing.

[Paa_Paw]

It is possible to get the surgery covered by medical insurance if you can successfully make a case for a medical necessity.  

Generally speaking, this would require letters from a Psychologist indicating that the Gynecomastia is having an adverse effect upon your self image and your ability to socialize.  Another letter from an Endocrinologist that you have been found free of any continuing hormonal problems which would cause regrowth of the breasts after surgery and that you are well enough through puberty that there is little to no chance of self resolution.  The letter from the psychologist should also indicate that your expectations of the surgical outcome are realistic.

At the Gynecomastia.org Home page you will find several references which are very good.  There is an account by the mother of a young man who details their struggle (successfull) to get their medical insurance to cover the cost of the surgery.

Good luck