Fees for Cosmetic Surgery procedures are for the most part paid prior to surgery. Cosmetic Surgery is considered elective surgery and is not covered by most insurance plans. There some cases were surgeries can be considered "reconstructive" surgeries that can be covered by insurance plans. But for the vast majority of procedures you can expect to pay with money you have or financed. Financing Cosmetic Surgery is a special type of financing because of one interesting factor, its unsecured to the financing company. A financing company can reposes a delinquent auto or home, but they cant repose your new breast augmentation or your facelift! Because there nothing to repossess a Cosmetic Surgery Financing application will be highly evaluated, to make sure you have the ability to payback the loan. Make sure you allow yourself plenty of time to make financing arrangements before scheduling Cosmetic Surgery.