I’ve had a few people on the message boards, Facebook groups, and my blog ask me recently how I’m paying for plastic surgery and whether or not my insurance is covering anything. I thought it would be a potentially informative or helpful thing to write about in a post!
First, my insurance is not paying for any part of the plastic surgery that I’m having in the next two weeks. While insurance would pay for some surgery if I were experiencing documented and recurring rashes, I have not (thankfully) experienced any of those kinds of problems. I knew when I started this process almost two years ago that I was going want plastic surgery, should I ever get anywhere close to a “normal” weight. I also moved forward with the assumption that I would get no help from insurance, not that I would expect to…. so about two years ago, I decided if I wanted it bad enough, I would make a plan for paying for it!
So, a little over two years ago, I paid off my car. I don’t have to drive much to and from work, so I knew the car could last me a decent amount of time. Within six months before I started the weight loss journey, I had started putting the $300/month I was spending on the car into a savings account – pretending to still make “payments” to save money for the down payment on another. It wasn’t long after I started the weight loss journey that I decided to forgo the new car and use that fund (that was barely started) for plastic surgery.
Time went by… I got a promotion. I calculated the increase in my paycheck each month (I get paid monthly) and I added that to the $300. Then, raises came…. I added that to the $300. Then, another promotion and raise… added that as well. Up until last month, I was up to putting $600/month away into this fund. Over the course of almost 2 years, I managed to save $10,000 exactly – just a little over half of what I would need to pay for the first round of surgery – breast lift, lower body lift, and extended arm lift that cost about $19,500.
So, for the remaining $9,500 and misc. expenses that come with having the surgery, I financed with a loan from the credit union where I work. I chose the credit union because they had the best rates. Thankfully, my credit score is in the 800s, so securing financing at a good rate was not difficult at all. I’m hoping to continue to take that $600 and make payments on the loan for about two years. My husband and I agreed that if I choose to do a “round 2” for plastic surgery (thighs and/or implants) that I would pay for that surgery completely on my own with the money I make doing freelance work. Fair deal, in my opinion!
What would I have done if I didn’t have the extra cash or didn’t have very good credit? Honestly, I would’ve gotten a second job and saved for as long as humanly possible. My “second job” now is the freelance work that I do and I’m lucky that I can do that at home for what I consider to be decent money. If I didn’t have this opportunity, you’d find me at the local retail store, restaurant, wherever working in the evenings and weekends to make the extra cash! I want it bad enough to do whatever it takes!
There are a lot of people that are completely happy without having plastic surgery. I’m jealous of them! They say they wear their excess skin like a “badge of honor” and I just can’t get adopt that thinking – for myself. I wish I could. I don’t know if that means I’m vain, have low self-esteem, or if it’s because of my age or what…. but I want this stuff gone and I don’t ever want to see it again. When I look in the mirror, I see a reminder of a period of time when I didn’t take care of myself, was miserable, and on my way to an early grave!
I’ve felt a lot of guilt over the past 6 months about spending this kind of money to fix a body that I destroyed. However, with some therapy, reflection, and the passing of a little time… I’ve learned to let it go. There’s nothing I can do about it now, except be the healthiest person I can be and keep the weight off for life. I’ve got a second chance and I don’t want to ruin it – and I know exactly how easy that would be to do!