Paying for Surgery

Below is important information regarding surgery payment options for procedures with Dr Snell, a specialist plastic surgeon based in Melbourne, Australia.

The following sections outline the factors that; influence plastic surgery prices, explain payment options, and offer insights to help you navigate the financial considerations related to your desired procedure.

If you have any questions or need further clarification, do not hesitate to contact our clinic.

Disclaimer

We understand the importance of making informed financial decisions. We discourage patients from resorting to debt or accessing their superannuation to fund cosmetic surgery. Additionally, we neither endorse nor provide financing schemes, loans, or commercial payment plans for our patients. The primary objective of the information we provide below is to furnish patients with comprehensive information, empowering them to make the most suitable choices based on their unique circumstances.

How much does Plastic Surgery Cost

The cost of cosmetic and plastic surgery in Australia can vary significantly, as each patient’s anatomy and needs are unique. When considering plastic surgery, the price patients pay for their procedure is influenced by several factors, including the; chosen surgeon, specific procedure, hospital facility, and the duration of the surgery. Additionally, patient eligibility for Medicare and private health insurance coverage can impact the overall cost.

For a personalized estimate and price range for your specific plastic surgery procedure, we recommend scheduling a confidential consultation. During this consultation, you will receive a customized quote that breaks down the specific costs associated with your surgery, including:

• Hospital fees: These costs may vary based on factors such as theatre time and length of hospital stay.
• Surgeon’s fee
• Anesthetist’s fee
• Assistant’s fee (if applicable)
• Implant fee (if applicable)
• Any relevant Medicare codes

Dr Snell will guide you through the surgical journey, providing comprehensive information and address all your questions about; the procedure’s cost, the surgery itself, and any other relevant details. We believe in transparency and ensuring that you have all the necessary information to make well-informed decisions about your plastic surgery journey.

Potential ways to help Fund Your Surgery

Most of our patients fund their surgery using these methods:

Pay in Full

Patients have the option to pay for the surgery in full using accepted payment methods. Including credit cards (Visa, Mastercard),buy now, and pay-later products (Afterpay, Openpay, Zip Pay).

Private Health Insurance and Medicare

• If your procedure attracts a Medicare Item number you may be eligible for a rebate.
• Furthermore, if you have Private health insurance coverage you may be eligible for further rebates.
• Remember that even if you have Private Health insurance AND you are eligible for cover you will still have out of pocket costs

Use an Interest-Free or Low-Interest Credit Card

• Some banks offer ‘Interest-Free’ periods or ‘Low-Interest rate’ credit cards as an alternative to medical finance firms.
• There are website for review credit card rate reviews and conditions.

Reduce your Home Loan Interest by using your Mortgage to Save Up

• Home loan interest can be reduced by paying down home mortgage and then redrawing funds from early payments when you’re ready to have your surgery.

Withdraw from Super Fund to pay for Surgery

• Superannuation Funds can sometimes be accessed early to pay for life-changing surgery.
• The Australian Tax Office (ATO) will assess Early Withdrawal of Super Access applications on compassionate grounds for medical procedures that treat life-threatening illnesses or chronic pain.
  • The final decision to release, however, will be made by the Super Fund.
  • Find out more by visiting the ATO

Making well-informed financial decisions is crucial. We want to emphasize that we do not provide this information to encourage patients to take on debt or access their superannuation for cosmetic surgery expenses. Our sole intention is to ensure transparency and present you with all potential options available, empowering you to make the best choice for your unique situation.

Payment Arrangement BEFORE Your Surgery

Before your surgery, consider implementing a Payment Plan or a Surgery Savings Plan. A special-purpose savings fund allows you to save up the required funds before the operation.

Pre-Pay for Surgery

Pre-paying for Dr Snell’s services in advance through instalments can offer several advantages for patients seeking cosmetic surgery. By choosing this option, patients have the opportunity to plan and budget for their surgery. This can make the process more financially manageable. Instead of having to pay the full amount upfront, spreading the cost over instalments can alleviate financial strain.

This pre-payment option allows patients to secure their surgery date and avoid potential price increases in the future. It provides peace of mind, knowing that the surgery is already taken care of. Patients can focus on their recovery without worrying about financial aspects post-surgery.

Moreover, pre-paying in instalments can offer flexibility to patients, allowing them to choose a payment schedule that aligns with their financial situation. Whether it’s a weekly, monthly, or customized payment plan, this approach offers convenience and adaptability.

Before opting for this payment method, it is essential to discuss the terms and conditions of the instalment plan with Dr Snell’s practice. Being fully informed about the payment schedule, interest rates (if applicable), and any associated fees can help patients make an informed decision.

Patients should also inquire about any refund or cancellation policies related to pre-payment. This ensures they are aware of the options available in case of unforeseen circumstances.

Overall, pre-paying for Dr Snell’s services in advance through instalments can offer financial convenience. It is an option worth considering for those who seek a well-planned and financially manageable cosmetic surgery journey.

Payment Plans, Medical Credit and Finance Options

We acknowledge that not everyone may have the funds readily available to pay for their surgery upfront. Independent finance companies can offer various medical credit and financing options.

These medical credit and finance options can provide a practical solution for patients seeking plastic surgery but prefer a more flexible payment approach. By working with reputable finance companies, patients have the opportunity to explore tailored payment plans that suit their individual financial circumstances.

Applying for medical credit or finance allows patients to break down the total cost of their surgery into more manageable monthly instalments. This alleviates the need to pay the entire amount at once, making the financial burden more manageable.

Before opting for medical credit or financing, it’s crucial for patients to carefully review the terms and conditions. This includes understanding interest rates, any applicable fees, and the overall cost of borrowing. Being well-informed ensures that patients are comfortable with the financial arrangements and can make informed decisions about their surgery journey.

We do not encourage patients to take this option however, we remain committed to being transparent about all potential payment options available, empowering patients to make well-informed decisions regarding their desired procedures.

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DISCLAIMER

Our practice does not operate as a credit provider, and we do not engage in any financial arrangements with banks or credit suppliers. We have no affiliations with any financial institutions, and we do not receive any rebates or commissions from them.

All medical credit and finance providers are entirely independent and external entities. We do not provide any financial advice to our patients, and it is essential for individuals to consider their own financial circumstances and preferences when deciding whether medical finance is suitable for them.

While we strive to offer transparent information and support, it is crucial for patients to conduct their research and seek advice from qualified financial professionals if required. Understanding the terms, conditions, and potential costs associated with medical financing will allow patients to make well-informed decisions that align with their financial goals.

At our practice, our focus is solely on providing exceptional medical care and help patients achieve their desired aesthetic outcomes. We are committed to offering clear and accurate information about the medical procedures we perform, leaving the financial aspects to be independently managed by reputable and reliable finance providers.

Patients can rest assured that their well-being and satisfaction remain our top priorities throughout their surgical journey. We are here to support and guide our patients in achieving their cosmetic goals, and we encourage open communication and transparency at all stages of their experience with our practice.

Disclaimer
Please note that any content provided on our website is intended for educational and informational purposes only. It should not be considered a replacement for professional medical advice, diagnosis, or treatment. Always consult with your physician or qualified healthcare provider for any medical concerns or questions you may have. Never disregard professional medical advice or delay seeking it based on information from this website. The author and publisher do not guarantee the accuracy, applicability, or completeness of the information presented herein. All actions taken based on the information in this article are at your own risk.