Posted: 5/9/2010 5:16:34 PM EDT
| My wife and I have been happily married for 10 years. A few years ago she lost a substantial amount of weight and now she wants a tummy tuck. We have steady jobs with average income and not an overwhelming amount of debt. Plastic surgery doesn't come cheap however. We have checked with a few docters it looks like we could expect to spend around $6,500 for the procedure. Most of the plastic surgeons offer financing, but the interest rates are comparable to credit cards. I don't know much about loans so thats what brings me here. What type of loan should I be looking for, and where? We need something long term because money is tight. Not enough equity in our home so thats out. I really want to make this happen for her. It is beginning to affect her emotionally. She has worked so hard to get the weight off and now she is left with excess skin in the abdominal area. I feel that I owe it too her |
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I think that this thread may actually be the downfall of America. Are you seriously thinking about taking out a loan and going into debt so your wife can get a tummy tuck? Save up and let her get it done next year. If not your are literally financing your way to the ruin of america. P.S. Post pics?  |
Cosmetic surgery for purely cosmetic reasons (such as this), is not something to take out a loan over. Save your pennies and pay cash. And don't skimp on the surgeon (don't ask me how I know, because I won't tell  ), unless you think your wife is going to leave you once she thinks she looks better.
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I think that this thread may actually be the downfall of America. Are you seriously thinking about taking out a loan and going into debt so your wife can get a tummy tuck? Save up and let her get it done next year. If not your are literally financing your way to the ruin of america. P.S. Post pics? You have absolutely no idea what your talking about. I didn't ask for some smart asses opinion of what should be financed and what should be paid in cash. My wife is not some ditzy blonde trying to improve what doesn't need to be improved. She is a woman who lost 102 lbs and now has a mass of skin that inhibits her from jogging, causes back pain, and affects her life every day. Insurance will not cover one cent of the procedure. I work hard every day and pay my bills on time. How does getting a loan that I will pay back "ruin America"? Post pics? I don't find that funny. Maybe it's disrespectful perverts like you that ruin America! |
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Can you get a doctor to say that the extra weight of the skin is hard on her back/body? Maybe your ins. company may take that advice. Just a thought. From what we have learned, it is very hard to make that happen and if you convince insurance to cover it they will only cover a cheaper procedure that leaves you with no belly button 
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Can you get a doctor to say that the extra weight of the skin is hard on her back/body? Maybe your ins. company may take that advice. Just a thought. From what we have learned, it is very hard to make that happen and if you convince insurance to cover it they will only cover a cheaper procedure that leaves you with no belly button Have you verified this first hand? I was going to suggest exactly this route. btw: Congrats to your wife for her accomplishment. eta: I wonder if a surgeon will upgrade the operation and allow you to pay the difference. |
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As others have said. Save the money and pay cash. It is admirable that you want to do this for your wife. It is not admirable to go into debt for it. How about you sell something you own (guns, ammo, car, whatever) to make the money available? Are you kdding me. Sell a gun!!! I mean I love her but come on!!!! |
| Many plastic surgeons are feeling the effects of the economy. If you can pay cash, you'll be king, and should be able to negotiate a better cash rate. Don't go for the cheapest, but price doesn't necessarily equal quality. A plastic surgeon I knew had a buddy with a practice in an expensive area of New York City. He wasn't getting much business, so he doubled his prices and his practice got really, really busy very quickly. For some procedures, like LASIK, you can get them cheaper at an academic medical center because they're training surgeons. There is a supervising surgeon in the case, so you're not having someone who just read the book last night doing your case by themselves. And the supervising surgeon is the one on the hook should something go wrong, so they're not going to let anyone cut corners. When I was supervising trainees, I was always very aware that it was my license and my butt on the line. If I needed surgery, I wouldn't rule out an academic center simply because there are trainees there. |
| I didn't realize you can negotiate a better rate when paying cash. Of course non of the doctors offered this information. Thanks for the tip. Of course I have considered saving for the procedure, its just that this is something we have been talking about doing for a while and she is getting tired of waiting. I've noticed it hits her harder in the summer when her friends are out in their two pieces and she doesn't even feel comfortable in a one piece. I just really want to make this happen soon. Thank you to everyone who has offered useful information on this thread! |