As you consider your options for either cosmetic or reconstructive surgery, you may be wondering about your financing options. Some of the common questions you may have include:
As a convenience to our patients, we accept as many insurance plans as possible as an out-of-network provider. We are happy to work with you and your insurance plan. Insurance plans and coverage vary dramatically depending on your plan and the state where plans are based. We are happy to determine your insurance benefits and also determine your coverage for specific procedures. Some of the common insurance plans that we accept as an out of network provider are as follows:
If your insurance plan is not listed above, we are happy to work with you to determine your plan benefits and get your procedure authorized by your insurance company.
Many reconstructive procedures are covered by insurance policies. However, every insurance company has a different set of criteria for distinguishing between reconstructive versus cosmetic procedures. Sometimes, apparently cosmetic procedures may also fall under the reconstruction category. For example, procedures such as breast reductions and belpharoplasty are often covered, but each insurance company has different criteria that have to be met before coverage is allowed. This may simply involve a letter from your physician that properly documents you ailments. Insurance policies also vary with regards to the amount of coverage provided. Due to the complexities of insurance contracts, the best way for you to figure these things out is to come in for a complimentary consultation and let us do the work to maximize your insurance benefits.
No deposit is required for insurance based procedures, unless you have California Blue Shield or Blue Cross. Deposit will depend on the type of surgery you will be receiving.
For cosmetic surgery not covered by insurance, deposit is 10% at time of scheduling for cosmetic procedures. If you require cosmetic financing, our experienced medical staff will work with you on obtaining financing, if necessary. Once the necessary arrangements are made, we will work out a mutually agreeable date for surgery and schedule your surgery. Payment of the remaining balance is expected 2 weeks prior to your planned surgery. Please understand that this policy ensures that operating room time is not wasted and that all our patients have the greatest flexibility in scheduling their surgeries.
While cash payments are always welcomed, we understand that this is often not possible. For your convenience we will also accept credit card payments (Visa/MasterCard/American Express) as well as third party cosmetic financing programs.
As a service to our patients, we are able to offer financing from several reputable companies. Financial considerations should not be an obstacle to obtaining the care you deserve. It is also an easy way to spread out the out-of-pocket cost for cosmetic procedures. If there is a need, please contact us and we’ll help you make the necessary arrangements with the appropriate cosmetic surgery financing companies.
Available Cosmetic Financing Providers:
• Care Credit (www.carecredit.com)
• Alphaeon (www.alphaeon.com/CREDIT)