Payment Plans and Payment Options for Cosmetic Plastic Surgery

PAYING FOR YOUR SURGERY – Payment Options and Payment Plans for cosmetic & plastic surgery

Our Practice accepts direct deposits and bank transfers, credit card payments (Mastercard or Visa), bank cheques, cash and third party finance payments. Find out about payment plans below.

  • A deposit of $1000 is required to secure your surgery date.
  • Full payment for your surgery needs to be made at least 2 weeks prior to your scheduled surgery.


Surgery Savings Plans

A special-purpose savings fund may be a good option for patients who want to save up the funds to pay for their surgery before having their operation. To save on mortgage interest, you can also choose to pay your mortgage ‘down’ in advance; then redraw funds from your early payments when you’re ready to have your surgery.


Payment Plans, Medical Credit and Finance Options

Quality Plastic Surgery can be costly. Our Plastic Surgeons don’t cut corners when it comes to patient safety and we strive to provide optimal results. There are a number of reputable external independent finance companies that may be able to help some surgery patients who do not have the money to pay for their surgery up-front.

FUNDING YOUR SURGERY – Five Ways to Fund Your Surgery including Surgery Payment Plans

  1. Start a Special Purpose Savings Fund.
    A range of special-purpose savings accounts from banks are available Visit comparison websites like  Finder to compare interest rates and use a savings calculator to find the best savings accounts.
  2. Use an Interest-Free or Low-Interest Credit Card.
    Some banks offer ‘Interest-Free’ periods or ‘Low-Interest rate’ credit cards as an alternative to medical finance firms. Visit a website like Credit Card Finder to review credit card rates and conditions.
  3. Reduce your Home Loan Interest by using your Mortgage to Save Up.
    Save on home loan interest by paying down your home mortgage and then redrawing funds from your early payments when you’re ready to have your surgery.
  4. Withdrawing from your Super Fund to pay for Surgery.
    By applying through a special government ATO process, Superannuation Funds can sometimes be accessed early to pay for life-changing surgery. This is likely to apply to Abdominoplasty (Tummy Tuck), Breast ReductionBody Contouring or Skin Reduction after significant weight loss or Bariatric Surgery, Rhinoplasty (Nose Surgery) & Eyelid Surgery. The Australian Tax Office (ATO) will assess Early Super Fund Access applications for medical procedures that treat life-threatening illnesses or chronic pain. The final decision to release, however, will be made by your Super Fund. Find out more by visiting the Super for Surgery page or ATO
  5. Medical Payment Plans – Medical Finance Companies like TLC – Total Lifestyle Credit , MacCredit and Medipay are used by some patients to provide funding for their cosmetic surgery. Google them.

DISCLAIMER – Our Practice is NOT a credit provider. We do NOT receive any rebates or commissions from ANY banks or credit suppliers. All finance and credit providers are independent, external companies. We provide NO financial advice. You will need to consider your own financial circumstances when deciding if finance is suitable for you.

payment plans

The Next Steps

  • Visit the FAQs pages and patient reviews to learn more about your intended procedure.

How to Book your Initial Consultation

  • Email us or call on (03) 8849 1444 to arrange your consultation with Dr Rubinstein
  • A referral from your GP or your specialist is helpful but not essential

What to Bring to your Surgeon Consultation

  • You are more than welcome to bring a friend or relative to help discuss the information and your choices
  • Ensure you also take a lot of notes and thoroughly examine the documents provided
  • Please be aware you may need to undress for a physical exam so wear simple clothes

Please Contact Us using the form below to arrange a consultation with one of our Specialist Plastic Surgeons or to speak with our Patient Care Team on (03) 8849 1444