Information About Gynecomastia Surgery Cost
The gynecomastia surgery cost varies widely depending on several factors including the surgeon’s experience, the type of procedure, and the severity of the condition. Be sure to ask detailed questions about the cost, as well as ask your insurance provider about coverage and look for financing options, if necessary. Be prepared for the surgery, too, from preparing your mind and body for it to setting time for proper recovery.
Look Into the Itemized Costs of Surgery
Just as with all surgical operations, the bill paid for gynecomastia surgery will likely include the following items:
- Hospital fees including the fees for the use of the operating facilities and recovery room
- Doctors’ fees particularly for the surgeon and anesthesiologist, as well as their team members
- Laboratory tests before and after the surgery itself while still admitted in the hospital
- Drugs and medical supplies used before, during and after the surgery while still in confinement
- Prescription medications
As a patient, you have the right and responsibility to ask about the specific costs that will be included in your hospital or clinic bill. You may even question certain items that shouldn’t have been included although it isn’t usually necessary in case of a packaged surgery plan.
But you also shouldn’t trade an affordable surgery package for an experienced team of medical professionals with expertise in gynecomastia surgery. Always keep in mind that you’re not paying for fresh fish in the market, so to speak, but for invasive surgery to remove excess breast tissue. Go for the best results from the best possible surgeons, especially as your overall health, perhaps even your life, is at stake here!
We strongly suggest choosing a board-certified plastic surgeon with a proven track record in gynecomastia treatment. You should do your research in regulatory government agencies and industry organizations, as well as ask questions from past and present clients, if possible, first. You are placing your body in the hands of another person, after all, so due caution is highly recommended.
Ask about Health Insurance Coverage
Emphasis must first be made that each insurance policy has different coverage terms and conditions where gynecomastia is concerned. Be sure to carefully review your own insurance policy and ask your insurance provider about coverage, which may be partial, complete, or zero depending on several factors.
Indeed, the main issue about surgery as a gynecomastia treatment is its affordability because insurance providers rarely cover it. While there are exceptions, such as the gynecomastia is accompanied by a life-threatening medical condition, these aren’t exactly the kind of exceptions that you will want to apply in your case. In most cases, gynecomastia surgery is considered as for cosmetic purposes only, thus, its non-coverage by insurance providers.
Consider Third-party Options
Let’s assume that your case isn’t covered by health insurance. In this case, you can look at the third-party financing options but be careful about making your choice. You may just find yourself in deeper financial trouble than you have anticipated!
A few of the third-party financing options include:
- Ask your surgeon about financing programs offered by the clinic where your surgery will be performed. You can keep both the surgery and its financing under one roof, so to speak, thus eliminating the hassles of dealing with several entities.
- Look into the financial packages and products offered by major financing companies that can cover part or all of your surgery expenses. Be careful about signing on the dotted line because of the risk of high interest rates, hidden charges, and the like. You are basically getting into debt when you avail of a financial product sold by these companies, thus, the need for caution.
- Use healthcare credit cards, which can be sued to cover a wide range of medical procedures including breast reduction and liposuction, among others. You must first be approved for its use by the bank and healthcare company issuing the card. You will also be asked to sign a contract with details on repayment schedule and amount; the repayment period ranges from 6 to 48 months depending on the amount and your ability to pay, among other factors.
- Look into personal loans from banks and credit unions, which can be secured or unsecured, as well as loans from your family and friends. Again, you should always consider your capacity to pay the loans, especially when you will take time off work for recovery purposes.
- Bank overdrafts may also be used but remember that these are only for short-term periods. Besides, if you use them one time too many, you will likely find yourself in a credit bind sooner than later (i.e., rejection of credit).
We cannot overemphasize the importance of reading the fine print and asking relevant questions about it, especially when you’re signing a contract. The devil is always in the details so much so that you may find yourself virtually indebted up to your neck after the surgery.
But when you make the right choices in financing, your problem about gynecomastia can be gone! The surgery and its costs will then be worth every dollar and minute spent.