Plastic surgery financing is an unsecured personal loan. This means there is no collateral for the loan and nothing to repossess in the event that a patient stops payment. Lenders manage risk by carefully evaluating the application and credit report to predict how likely it is that will repay a loan. The credit report discloses the credit experiences, such as the bill-paying history, the number and type of accounts have, late payments, collection actions, outstanding debt, and the age of the accounts. A credit scoring system awards points for each factor that helps predict who is most likely to repay a debt. Scoring models may also consider information from the application; factors like the job or occupation, length of employment, or whether own a home. Most plastic surgery finance companies will loan as little as $2000 or as much as $20,000, depending on the credit history. In general, however, the less ask for the more likely the approval. Many patients pay for part of their plastic surgery in cash or on a credit card and then borrow the rest. Multiple sources provide financing for plastic surgery procedures. These companies offer loans for all cosmetic, plastic, laser, and gastric bypass surgeries. Companies offer loans with no money down and a very low monthly payment or fixed monthly payments on different terms.

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Concierge medicine goes by many names, boutique medicine, retainer medicine, executive health, VIP medicine, and personalized medicine. By any name, concierge medicine is the solution for doctors trying to maintain their integrity and independence in today’s difficult healthcare environment. Concierge medicine is a new style of practice with old roots, in which doctors limit their patient base in order to provide patients with personalized service, high quality care, 24-7 availability, and other amenities. In exchange for this enhanced personal attention, patients pay physicians an annual fee. This concierge fee enables physicians to increase their compensation while managing their workload. In addition to receiving an annual fee, most concierge physicians continue to receive reimbursements from health plans and private pay clients. Concierge medicine is a relationship between a patient and a primary care physician in which the patient pays an annual fee or retainer. This may or may not be in addition to other charges. In exchange for the retainer, doctors provide enhanced care. Other terms in use include boutique medicine, retainer-based medicine, and innovative medical practice design. The practice is also referred to as membership medicine, concierge health care, cash only practice, direct care, direct primary care, and direct practice medicine. While all concierge medicine practices share similarities, they vary widely in their structure, payment requirements, and form of operation. In particular, they differ in the level of service provided and the amount of the fee charged.