Covering Procedure Costs with Confidence

Updated June 24, 2026

We all want to look and feel our best, and cosmetic procedures like TriSculpt® liposuction from Sono Bello are often more affordable than people expect. Even so, fitting an elective procedure into a monthly budget takes a little planning. The good news is there are several ways to cover the cost, from paying outright with cash, check, or a card to spreading payments out with promotional financing. Knowing what to expect on the cost side makes the whole decision feel less daunting, so here is how to weigh the options with confidence.

How Much Does a Procedure Cost? 

The cost of a body contouring procedure depends on the areas you treat, the amount of work involved, and the plan you build with your surgeon, so the clearest number always comes from a personalized quote. Because cosmetic procedures are elective, they are paid out of pocket rather than billed to insurance, which makes planning ahead worthwhile. For a fuller breakdown of pricing and the financing options available, see Sono Bello’s affordability page, then bring your questions to a free consultation, where you will get an exact quote built around your goals.

Financing Your Procedure with CareCredit  

• Sono Bello has an established relationship with CareCredit, which offers a health, wellness, and personal care credit card. Promotional financing available with the CareCredit credit card can help you move forward with your transformation¹, and it offers some unique advantages compared to general-purpose credit cards:
• Take time to pay¹: With promotional financing, you can get the procedure you want today, and pay for it over time. Financing options are available for 24, 36, 48, or 60 months, based on purchase amount. The variety of options helps make it easy to choose an ideal option to fit payments into your monthly budget.
• Use your card—and promotional financing—again and again¹: in addition to your cosmetic treatment, you can use CareCredit to pay for many different kinds of care, including veterinary, primary care, urgent care, women’s health, physical therapy, and more. Even better, you can choose promotional financing options and take time to pay for any CareCredit purchases of $200 or more—today, tomorrow, and as long as you remain a cardholder. CareCredit is accepted at more than 200,000 provider and retail locations, including Rite Aid pharmacies, and you can use CareCredit for yourself, family members, and even pets.
• Keep care costs organized: CareCredit is dedicated to health, wellness, and personal care financing, so you can track and manage those costs separately from life’s other expenses. This also means that when you want or need care-related products and services, you won’t have to rely on cash or other credit cards—or delay moving forward due to monthly budget.¹

What If Your Credit Is Not Perfect? 

Promotional financing is subject to credit approval, so it is natural to wonder about your options if your credit is less than perfect. A few things can help. Applying with a co-applicant, such as a spouse or family member, can strengthen an application. A longer term lowers the monthly amount. And paying part of the cost up front reduces the balance you finance. The best step is to talk it through at your consultation, where the team can walk you through the options that fit your situation.

Does Insurance Cover Cosmetic Procedures?

In most cases, no. Cosmetic procedures are elective, so they are generally not covered by health insurance. As the American Society of Plastic Surgeons notes, most health insurance plans do not cover liposuction, though many providers offer patient financing plans for exactly that reason. Rare exceptions exist when a procedure is considered medically necessary, but body contouring chosen for aesthetic reasons is planned as an out-of-pocket investment.

Moving Forward with Confidence 

Deciding to invest in yourself is a big step, and the payment side does not have to be the hard part. Whether you pay up front or spread the cost over time, there is likely an option that fits your budget. If you have questions about which path suits your situation, the consultation is the place to get clear, specific answers. To explore pricing and financing in more detail, visit our affordability page, or schedule a free consultation to get a personalized quote and talk through the plan that works best for you.

1 – Subject to credit approval. Minimum monthly payments required. See carecredit.com for details.