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Breast implants. placed on a table. Symbolising a breast lift.

Understanding Payment and Finance Options for Cosmetic Procedures

When it comes to paying for your cosmetic surgery, you have several options available to decide what best suits your situation.

What is the MINKST Booking & Payment Process?

  •   Discuss your surgery options with MINKST and receive an initial quote.
  •   Book and attend your surgery consultation/s (which is fully refundable if required).
  •   If you’re happy to proceed we book your surgery and finalise the price.
  •   Make payments toward the final price at your convenience.
  •   Full payment must be made four weeks prior to surgery.

Payment and Finance Options

  • Direct bank deposit with no fees.
  • Credit cards- including Visa, Mastercard, and Amex but merchant fees apply.
  • Medical finance loans- have surgery and pay it off after.
  • Approach your bank for personal loans or low-interest credit cards.

Cosmetic surgery is a significant investment in yourself, and we want you to feel confident with your decision. It’s important to only proceed if you are financially comfortable to do so.

We’re here to support you every step of the way, reach out anytime to discuss your options.

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What are the best cosmetic finance options?

While we don’t specifically endorse taking out loans for your plastic or cosmetic surgery, we understand that many patients choose this option. If you’re considering financing, we recommend thoroughly researching to find the best available rates. Due to AHPRA (Australian Health Practitioner Regulation Agency) guidelines, we cannot directly recommend specific financing options, but searching “medical finance” online will provide several possibilities.

Do you offer cosmetic instalment plans?

Yes, instalment plans are available. For example, if you book your plastic surgery five months in advance, you can make regular payments until four weeks before surgery, when the final balance is due. There are no fees to do this. While this option suits some patients, we generally recommend keeping the money in your own savings account and booking a consultation to confirm surgery once you’re comfortable with the payment.

Can I use my superannuation to pay for my surgery?

Superannuation cannot be accessed for elective surgeries, for example a breast augmentation.

Accessing superannuation is possible in cases where the procedure has been deemed medically necessary – which means it at least has a medicare number. The seriousness of the medical condition must be assessed and confirmed by the surgeon before proceeding.

Example procedures that may qualify are-

  • Breast reduction
  • Breast implant removal for medical reasons
  • Rhinoplasty (nose surgery) to correct breathing issues
  • Abdominoplasty (tummy tuck) and excess skin removal surgery after weight loss
  • Bariatric surgery or weight loss surgery

We recommend contacting your personal superfund or visit the ATO website for more information and current criteria.

Does Medicare cover my procedure?

Most elective procedures, such as breast augmentation, are not covered by Medicare. However, some procedures, like a breast lift with augmentation in cases of severe sagging (extreme ptosis) tuberous breasts, or an abdominoplasty following significant weight loss, may qualify for a Medicare rebate. This rebate can help reduce your overall out-of-pocket expenses. It’s important to discuss these details in person with your doctor or surgeon to understand your specific situation.

Can I use my Private Health for my cosmetic procedure?

Similar to Medicare, most elective procedures, such as breast augmentation, are not covered by private health insurance. However, depending on your level of coverage, some procedures, like a breast lift with augmentation in cases of severe sagging or an abdominoplasty after significant weight loss, may qualify for hospital or anaesthetist rebates. These rebates can help lower your out-of-pocket costs. To understand your potential coverage, you should contact your private health insurer and then discuss the details with your doctor or surgeon.