Payment Methods for Cosmetic Surgery by leading Melbourne Plastic Surgeons
- Cosmetic Surgery prices in Melbourne, Australia can vary depending on your surgery needs and choice of a highly-experienced Plastic Surgeon.
- Payment methods for surgery with our Surgeons include using cash, credit cards or bank transfer methods.
- A small number of operations may meet eligibility requirements for an MBS Item Code such as for corrective, Reconstructive Plastic Surgery (these never apply to cosmetic procedures).
- Review Medicare guidelines and MBS Item Code rule changes if you have a medically warranted Plastic Surgery procedure.
Download our guide to Medicare and Health Insurance for Plastic Surgery
3 Alternative Ways To PAY for Plastic Surgery
1. START A SPECIAL PURPOSE SAVINGS FUND FOR YOUR SURGERY
- Special Purpose SAVINGS Funds may be an option for patients who want to save up in the months or years before their surgery.
- Visit www.finder.com.au/savings-accounts.
- Your choice special purpose savings accounts with ING, Bankwest, ME Bank, St George, HSBC, Bank of Melbourne, Rabobank or BankSA.
2. SAVE YOURSELF HOME LOAN INTEREST BY SAVING YOUR FUNDS OFF YOUR HOME LOAN
- Save up and save interest on your home loan:
- Just pay your home mortgage down and redraw when ready to have surgery.
3. EARLY WITHDRAWAL FROM YOUR SUPERANNUATION FOR PLASTIC SURGERY
- Are you SAVING UP for your life-changing surgery? Maybe Your Super Fund can Help!
- Several recent plastic surgery patients have been able to access their Superannuation Funds to pay for their own life-changing surgery. There is a special government process to follow and many forms to fill out, but it could be a possibility.
This may be most likely to apply to:
- breast reduction
- body lift surgery (after significant weight loss).
Under exceptional circumstances, the Department of Human Services (DHS) will assess early super fund access on ”compassionate grounds”, which include medical procedures to treat life-threatening illnesses and chronic pain. Your Super fund will make the final decision to release the money. Note that not all super funds permit early access of super benefits on these grounds, so you should check with your super fund before applying.
You can find further information on the requirements, including documentation, by visiting the DHS website: www.humanservices.gov.au/customer/services/centrelink/early-release-of-superannuation
Paying for Surgery: How it works
Once you have attended a surgery consultation and decided you are proceeding with your desired plastic surgery goals:
- you can schedule your surgery date (your hospital theatre date) with your Surgeon
- to secure the desired date for surgery, a DEPOSIT is required
The balance of your Plastic Surgery costs per your Surgery Price QUOTE(S) will be due and payable at least 14 working days BEFORE your Surgery procedure occurs.
Find out more by phoning our Patient Care Team on (03) 8849 1444.
Accepted payment for Plastic Cosmetic Surgery at our Melbourne Clinic
- Our Plastic Surgeons Clinic accepts surgery payments via:
- direct deposits
- credit card payment (Visa OR Mastercard)
- bank cheques
- Typically, a minimum deposit of $1000 AUD is required to secure your surgery date for most surgeries (it may be more depending on your surgery)
- Full payment for your cosmetic or plastic surgery procedure must be received at least TWO WEEKS in advance of your scheduled surgery
If you want to know if Medicare or Health Fund covers any of your Plastic Surgery procedure, and how MBS rebates occur (if applicable), please review the Medicare MBS Item Article(s) including Recent MBS changes to Plastic Surgery procedures and Item Codes – Does Medicare Cover Plastic Surgery?
- We provide NO advice in relation to your situation and paying for cosmetic surgery.
- You should seek professional advice where warranted.
PLEASE NOTE: Our practice is NOT a credit provider and this is not accepted in the Medical code.
Plastic Surgery & Cosmetic Surgery – Costs, Payment Methods and Pricing
- Surgery expenses or costs are provided to patients in an estimate or Cost Quote.
- Read WHY prices for cosmetic surgery and breast augmentation vary in Australia.
- Your Surgery Cost Quote should remain in effect for the designated time – ask your Surgeon’s team or review the quote for duration.
- Note that Hospital fees, any applicable MBS item codes or health insurance rebates, can be subject to unexpected changes.
- Medically indicated procedures only: sudden MBS changes MAY impact your out of pocket costs (these can be unpredictable).
Overview of Ways to Pay for Your Surgery
Payment Option A: Saving Up Before Your Operation
Surgery Savings Plans can help you SAVE up for Cosmetic Surgery/Plastic Surgery
- Special Purpose SAVINGS Funds may be an option OR
- Pay your home Mortgage down and redraw when ready to have your surgery
Surgery Payment Option B: Using Your Existing Resources
- You may have a settlement from a divorce or bereavement or you may have savings you want to access to pay for your plastic surgery or cosmetic surgery.
- Some patients apply for early withdrawal of SUPER FUND through the ATO to help with financing their surgery procedure.
Costs and Quotes for Surgery Prices
- Every surgery is unique and we provide patients with custom Quotes.
- If you’re comparing quotes, ask your Surgeon or Nurse what’s included AND know that some types of Surgeons are higher trained and more experienced than other types of surgeons.
- There’s a difference between a cosmetic and plastic surgeon, for example.
- Look for FRACS to know you’ve got the right Surgeon who’s recognised as a Specialist Plastic, Cosmetic & Reconstructive Surgeon by APHRA (the regulatory authority). A plain “cosmetic surgeon” is NOT the same as Specialist Plastic Surgeon. Ask!
- Quality plastic surgery done by experienced plastic surgeons can be costly.
- Our specialist Plastic Surgeons don’t cut any corners when it comes to your safety and getting a quality surgical result.
- We accept cash, credit cards or bank transfer for payment of your consultation booking fee, visits and Surgery deposits/booking invoices.
Next steps on your Surgical Journey
Visit our FAQ pages, learn more about your procedure, have a look at our photo galleries and patient reviews.
How to Book your Initial Consultation
- Email us or Call on (03) 8849 1444 to arrange your surgeon consultation appointment
- A Referral from your GP or from your Specialist is helpful but NOT essential – you can have a consultation without a GP Referral
- Book a consultation with your Surgeon by paying the $200 consultation fee
What to Bring to your Surgeon Consultation
- Bring a friend or relative to help discuss the information and your choices
- Take lots of notes and read the documents provided thoroughly
- You may need to undress for a physical exam so wear simple clothes
Want more information before scheduling your Surgeon consultation?
- Request more information about the procedure – call or contact us
- Book a Complimentary Nurse Consultation (FREE)
- Organise a phone call with Patient Coordinator (FREE)
- Attend our Regular Practice Events and hear from our Specialist Surgeons and their top support team (FREE)
- Speak with a past patient that has had the procedure – call or contact us
- Browse our ur Frequently Asked Questions including how to choose a Surgeon for your procedure
Please contact us using this form to arrange to book a consultation with one of our expert Specialist Plastic Surgeons or to speak with our Patient Care Coordinator. Send an enquiry form today or phone (03) 8849 1400 during Clinic Hours.
Visit our Downloadable Guides page for more information about Cosmetic and Plastic Surgery options and research in Australia.
*Disclaimer: Information about payment methods or payment methods on our surgery website is for general information purposes only. It has been compiled without taking into account your personal situation, financial needs or responsibilities. Before acting on payment methods or payment information for your surgery, you should consider its appropriateness, having regard to your individual payment methods situation and needs. The information on this website is no substitute for payment method advice.