Dealing with the cost of PS

Especially with today's economy, I thought I'd share a few items we discuss with our patients who have financial obstacles to overcome before they can move ahead with their PS.

Remember the value of what you are getting and what you are risking. This isn't a car your buying...it's your health, and your body...you have come a long way to get where you are ! Using price alone to chose your surgeon does not make sense.

Consider financing. Companies like CareCredit have various programs that may help. If your credit is shot, enlist the help of a reputable repair agency. It works. Also, your doc may be willing to finance a portion of the surgery through a promissory note without a credit check and with easier terms.

Use your FLEX spending plan at work if you have one. Talk with your HR person if you are unsure about this.

Get a tax break. Medically necessary surgery may entitle you to a deduction.

Combine covered and non-covered procedures. if you have a hernia, or even will need an OB-Gyn procedure, your PS may be willing to work on you at the same time. You can often have the overnight stay and several hours of surgery covered this way, and save thousands.

Use insurance. This is harder these days, but learn about your plans criteria for removal of excess skin. Find a PS who is willing to accept insurance, but also expect out of pocket expenses.

Consider a University Program. Some training programs offer discounted rates if you consent to the residents doing part of the procedure. Be sure the supervising doc will be there before, during, and after surgery and have a comfort level with his or her qualifications first.

Plan ahead. Remember, Rome wasn't built in a day. It took you a few years to gain the weight and develop the excess skin, and at least a year to get the weight off. Don't think of PS as an overnight fix. Patients often tell me they saved for the surgery just as they did for a new car. A more modest vacation, budgeting...all these things can help. BTW patients tell me without exception that they love their new bodies way more than any car !

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We include tips and other useful info in most issues.

Hope this helps