About Butt Implants Cost
How much do butt implants cost?
At Widder Plastic Surgery Center, this is the #1 question we get asked about butt augmentation, or butt implants.
In general, butt implants cost anywhere from $4,000 – $6,000. Keep in mind that this is the cost of implants alone. This price does not include anesthesia, operating room fees, or other related expenses.
In addition, price can change depending upon what type of implants you get, the size and shape, the texture, and other factors.
A high-quality butt augmentation with butt implants will generally range from $9,900 to $14,300.
Will my health insurance cover butt implants?
Most health insurance plans do not cover butt augmentation or other types of butt enhancement. This is because butt implants are considered to be a cosmetic procedure rather than a medically necessary procedure.
While some insurance companies cover reconstructive plastic surgery, cosmetic surgery is usually not covered. Hence, butt implants costs are usually on the patient.
- Reconstructive Surgery – Procedures meant to correct issues due to trauma, injury or car accidents, developmental defects, infection, or disease. These procedures are designed to improve function and normalize the patient’s appearance. These are often deemed medically necessary for various reasons and are sometimes covered by health insurance companies.
- Cosmetic Surgery – Procedures meant to enhance and improve the patient’s appearance and self-esteem through body or face modifications. These procedures are designed to help improve self-image, self-confidence, and satisfaction with one’s body. These are considered optional procedures and are not typically covered by health insurance companies.
Your insurance company may delineate between these two terms in a different manner, so check with them before proceeding.
For example, many insurance companies used to comprehensively cover male circumcision. Nowadays, however, more and more insurance companies are declining coverage for that procedure, as they believe it to be cosmetic.
Always make sure to contact your insurance company and discuss your butt implants cost with someone. Ask them how it will be classified. This is the best way to ensure you’re 100% prepared for the financial aspect of butt implants.
How can I pay for my butt implants?
- Health Insurance – If your health insurance company covers cosmetic surgery, you’re in luck! Make sure you call them and specifically ask how your procedure will be classified and how much of the costs will and will not be covered. That way, you’ll be prepared. Often, you’ll need to show your insurance company your treatment plan. When you head to your initial consultation, be sure to ask your surgeon for this information for the insurance company.
- In-House Financing – Most plastic surgeons offer financing for butt implants costs and other cosmetic surgery procedures, as they can get quite expensive. With financing, you can pay at your own pace – decided upon between you and your plastic surgery center’s financial department. Typically, it’s much easier to finance your surgery through the office directly than with a personal loan or a credit card, as rates are almost always better. If you run into financial hardship, your surgery center will generally work with you without heavy penalties or fees so you can still make payments without adverse affects. Plus, they usually don’t charge interest and won’t report to major credit bureaus, which means your credit score is safe even if you miss a payment.
- Personal Loan – While generally not recommended due to the potential for high interest rates, you may opt for a personal loan. You can find unsecured loans at your personal bank or credit union or from services such as Lending Tree or SoFi. Keep in mind that a personal loan will add to the cost of your surgery, thanks to interest you’ll pay over time. Plus, if your credit score isn’t the best, you’ll likely get an interest rate similar to a credit card, which isn’t always a good deal. This is truly not the best option if you’re looking to save money.
- Credit Card – You may choose to put your surgery on your credit card. Remember that interest rates can add up, making the cost increase. The best strategy here is to apply for an introductory offer of 0% APR for a certain number of months. Simply make sure you can pay off your surgery in that amount of time (whatever it may be) and you won’t have to worry about interest costing you unnecessary extra money. If you can’t secure one of those offers, try to avoid using your credit card for surgery. High utilization could hurt your credit and maybe even drop your score.
- CareCredit – There are credit cards out there specifically for medical and health costs. Generally, these cards offer introductory deals or promotions. These promotions may include 0% interest for a certain number of months, or fixed payments until your balance is paid off. They’re easy to qualify for and can only be used for one thing: medical expenses. Sometimes these cards can have a catch; some contracts state that if you fail to pay off your balance in full by the end of the promotional period, you will be retroactively charged interest on your whole balance. That can make a huge impact on your credit score, as well as your wallet, so be careful and read the fine print before diving in.
- Savings – Dipping into savings is a great option if you’re able to do so. You won’t have to pay back money or pay interest fees. However, think about what that cash is meant for. Can you honestly pay for your surgery and still be okay with what’s left over in your savings in case of an emergency? Consider the risks before choosing this option.
- Retirement Account – Borrowing money from your 401K retirement account is another option. Sometimes a 401k may allow you to borrow up to 50% of your balance, up to $50,000. Your repayment is then automatically deducted from your paychecks. Your repayment period usually lasts for about 5 years. It’s fast, it’s easy, and interest rates are usually very low. However, note that withdrawing from your retirement account early can rack up fees and penalties for doing so. Furthermore, if you for some reason leave your job, you will have 60 days to pay off your loan or you’ll have to claim it as a distribution, which comes with even more penalties and fees.