My fleur de lis TT is gonna be $9,000.
I am spending an additional $1,050 to hire a private nurse to come spend the first two nights at home with me, since my surgeon doesn't include a hospital stay, and I want to be super safe about the first couple days, to help *prevent* complications.
It's smart of you to be thinking about that potential hidden cost. You should definitely ask your plastic surgeon about their policy on revisions and seroma drainage. Mine, for instance, will charge a $100 office fee for doing minor revisions under local anaesthetic. If a more major revision is needed, he was kind of vague, he said "Well if it's something that's obviously due to my technical skill or something I could have done better, I'll take care of it. If it's due to an unforseeable complication, there will be cost associated." If you develop a seroma (pocket of fluid) that needs to be drained in the office, most docs will do at least the first procedure for free. Mine does, and after that it's $85 a pop.
I'm not sure about insurance coverage in terms of complications. I mean, if I were to develop a blood clot in my leg, and needed to go to the hospital, I just assume my regular health insurance would kick in and pay. Maybe I'm wrong.
I had my breasts done 2 weeks ago and so far have been complication-free. But I know if I developed severe capsular contracture and needed to have my implants replaced, I'd be looking at shelling out another $7,000. I'd have to live with ugly boobs for at least another year until I could save up the money.
So really it's all about figuring out what the most common complications are, what your surgeon says you're at highest risk for, and whether they're medical or cosmetic complications. If it's medical, you'll obviously need to be in a position to take care of it, even if that means taking out an extra loan. But find out about your regular insurance kicking in. If it's cosmetic, then you can live with it until you can afford to get it fixed. And a slightly wonky tummy tuck is still a thousand times better than a big bag of loose skin, in my opinion.
"The greatest challenge to any thinker is stating the problem in a way that will allow a solution." -Bertrand Russell
5'9 HW: 297 GW: 160 CW: 161