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Written by
Raychelle Heath
Written by
Raychelle Heath
Personal Finance Contributor

Raychelle Heath
Aug. 5, 2019/4 min read
Aug. 5, 2019/4 min read
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Augmentation mammoplasty, also known as breast augmentation, is a procedure that involves the insertion of a saline or silicone implant to increase the fullness the the breasts. The procedure can improve the the opposite of breasts and restore volume after pregnant or load loss.

People who seek out one augmentation mammoplasty are usually interested because that cosmetic reasons. Though this procedure can also aid those who have had actually mastectomies to regain their breasts.

When it’s carried out together a cosmetic procedure, insurance will certainly not covering the cost. If you room interested in having actually this procedure done, you’ll should do some research to discover the finest option for you.

Costs related breast augmentation

According to the American society of Plastic Surgeons, as of 2018, the average price of a chest augmentation began at $3,824 dollars, through a final complete of as much as $12,000. This fees does not encompass the type of breast implants used, anesthesia or operating facility costs.

The surgeon’s level that expertise and also the geographical place of the procedure greatly impact the cost. Other factors that make up the complete cost are any type of necessary medical tests, post-surgery garments and medications.

Saline vs. Silicone

Breast implants will differ in filling type, shape, texture and also size.

The 2 fillings supplied for breast implants are saline and silicone. Saline implants are filled with sterile salt water, while silicone implants are filled with silicone gel. Over there is also a thicker kind of silicone implant referred to as a “gummy bear” implant.

Both saline and silicone implants space FDA approved, though silicone implants will certainly require extr regular visits to your surgeon to make sure they space working properly.

Saline and silicone implants are usually round, yet gummy be afflicted with implants have the right to be shame differently. The dimension of the implant will certainly be identified by just how much pour it until it is full is used and also can selection from 150cc to 800cc or larger. 150-200cc is usually considered mini or tiny and would certainly correlate to the boost of one come one and also a half cup sizes.

Implants can likewise be smooth or textured. Smooth implants space softer and have movement, while textured implants develop scar organization making them less likely to move around in the breast implant pocket.

Because there is for this reason much selection in chest implant types, that is really important to work with a default surgeon throughout your consultation to pick the ideal option because that you

Breast augmentation vs. Chest lift

A breast augmentation is a procedure supposed to rise breast size and also improve breast shape. A mastopexy or chest lift, ~ above the various other hand, gets rid of excess skin and reshapes existing chest tissue to offer a firmer, more lifted look come the breasts. The choice of one procedure over the other need to come down to your desired results and also your surgeon’s recommendation.

The average expense of a breast lift, follow to the American society of Plastic Surgeons, is $4,816, no including associated costs of the procedure. As soon as you variable in the cost of the surgeon’s fees, clinical facilities and other incidentals, a breast lift costs approximately the same amount as a breast augmentation.


Not anyone is eligible for a chest augmentation procedure. You may qualify if:

You room in good physical shape and mental healthYour breasts have actually reached their full developmentThe shape, volume or figure of her breasts is displeasing come youYour breasts room asymmetrical or have developed abnormally

During her consultation, her surgeon will ask for outcomes of previous mammograms and biopsies. Many insurance plans will certainly cover the price of a mammogram. If your insurance doesn’t cover mammograms or friend don’t have insurance, there are totally free or low-cost options out there. Mammogram expenses vary depending upon the type you get, yet the mean out-of-pocket price ranges between $100 and also $250.

Paying because that the procedure

Payment alternatives for augmentation mammoplasty will certainly depend greatly on even if it is the procedure is cosmetics or medical.

If girlfriend are having actually breast implants after ~ a mastectomy due to breast cancer, your insurance should cover it. Various other medical conditions such together asymmetry are additionally usually covered. If girlfriend are having actually the procedure because that cosmetic reasons, however, you’ll likely have to cover the prices yourself.

Credit card

Check to watch if the credit transaction limit on her card will cover every or part of the procedure. Likewise be sure that the card you room using has actually a low attention rate.

If you space thinking of opening a new card to cover the procedure, look because that one with a zero percent introductory offer. An added bonus come paying v a credit card is the opportunity of getting cash ago or rewards on your purchase. Become familiar with how your issuer categorizes medical measures to view what you will get back using her card. Have a repayment arrangement in mind come make certain you store your credit score and also any debts in great standing.

Personal loan

Another option for paying for your chest augmentation is to take the end a an individual loan. A an individual loan is an unsecured loan because that a fixed amount, intended to aid pay for a huge purchase. Your credit transaction score and also annual revenue are the key determining determinants for the interest rate on your loan. An individual loan rates can be together low as 5.95 percent if friend have good to excellent credit.

Health insurance

Most health and wellness insurance plans will certainly cover the price of breast implants that room a component of a chest reconstruction. Chest implants ~ a mastectomy due to breast cancer are covered by the Women’s Health and also Cancer legal rights Act. This act mandates that insurers that market mastectomy benefits offer coverage for reconstruction of the breasts removed by surgery and also the implants themselves.

Another medical issue covered by many plans is Poland syndrome. In this instance procedures are considered breast reconstruction, no breast augmentation. In general, health insurance does not cover breast augmentation.

Health save account

A health savings account, also known together an HSA, is one account specifically designated because that health treatment expenses top top a pre-tax basis. These kinds of account are available alongside a low-cost, high-deductible insurance allowance plan. Breast reconstruction surgery is eligible because that reimbursement through an HSA as soon as it is component of chest cancer treatment. One HSA cannot be supplied for non-medically essential cosmetic procedures.

Patient gaue won plan

Most physicians are ready to occupational with patients to produce a payment plan for your augmentation mammoplasty.

One of the more commonly used financing tools is called CreditCare. CreditCare is a healthcare credit card accepted by end 200,000 medical care providers in the US. You can check the digital database to watch if your surgeon accepts CreditCare. This service comes through a conventional APR of approximately 26.99 percent, though rates vary between individual accounts.

Bottom line

Whether you’re looking right into breast augmentation for cosmetic factors or medical necessity, it’s vital to execute your study on operated doctor in her area and obtainable payment options. These measures don’t need to break the bank, but you should establish a heavy payment arrangement in advance to aid the process go as seamlessly as possible.

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