Is your cosmetic surgery quote normal for your procedure?

Most cosmetic procedures are elective and not covered by insurance, so financing is common. CareCredit is the most widely accepted healthcare credit card, offering promotional 0% APR periods of 6-24 months on qualifying purchases. A $10,000 tummy tuck financed at 0% APR over 24 months costs approximately $417 per month. Always compare the total cost of financing, not just the monthly payment, before choosing a plan. Ad: we may earn a commission if you click this link.

Health insurance typically does not cover cosmetic surgery performed solely for aesthetic reasons. However, breast reduction may be covered if documented back pain or nerve damage is caused by breast weight. Rhinoplasty is covered when correcting a deviated septum that impairs breathing. Eyelid surgery qualifies when drooping eyelids obstruct peripheral vision (documented by a visual field test). Breast reconstruction after mastectomy is federally mandated for coverage under the Women's Health and Cancer Rights Act.

A tummy tuck (abdominoplasty) has an ASPS average surgeon fee of $8,174. Total cost ranges from $10,000 to $18,000 depending on whether it is a mini tummy tuck (lower abdomen only, $8,000-$12,000) or a full abdominoplasty with muscle repair ($12,000-$18,000). A tummy tuck combined with liposuction is common and adds $2,000-$5,000. Recovery is typically 4-6 weeks before returning to normal activity, which means lost wages should be factored into total cost. In 2024, 171,064 tummy tucks were performed in the US. (Source: ASPS 2024 Procedural Statistics)

Botox averages $435 per treatment area according to ASPS 2023 data. Most patients treat 2-3 areas per visit (forehead lines, frown lines, crow's feet), bringing a typical session to $870-$1,305. Results last approximately 3-4 months, so maintaining results year-round requires 3-4 sessions annually, making the annual cost $2,600-$5,220 for a three-area treatment plan. Competing neurotoxins (Dysport, Xeomin, Jeuveau) are priced differently per unit but produce similar results at equivalent doses. Some practices offer membership models that reduce the per-session cost by 10-20%.

A facelift has the highest ASPS average surgeon fee of commonly performed cosmetic procedures at $11,395. Total cost ranges from $15,000 to $25,000 depending on the extent of the procedure. A mini facelift or S-lift that addresses the lower face only costs $10,000-$15,000 total, while a full facelift with neck lift can reach $25,000-$30,000. Anaesthesia costs for facelifts are typically higher ($1,500-$2,500) because the procedure takes 3-5 hours. Results typically last 7-10 years, making the annualised cost approximately $1,500-$3,500 per year.

Laser hair removal averages $285-$400 per session, with most areas requiring 6-8 sessions spaced 4-6 weeks apart for optimal results. Total cost for a single area ranges from $1,700 to $3,200. Full-body laser hair removal can cost $2,000-$4,000 across all sessions. Smaller areas (upper lip, underarms) cost $100-$200 per session while larger areas (full legs, back) cost $400-$600. Laser type also affects pricing: newer diode and alexandrite lasers tend to be priced higher than older IPL systems. Maintenance sessions (1-2 per year after the initial course) are an ongoing cost most providers do not mention upfront.