Financing Options
At Columbus Cosmetic, we understand that choosing plastic surgery is a meaningful and personal decision. Whether you are considering cosmetic procedures or reconstructive surgery, having clear, transparent information about financing can help you plan with confidence.
Our team is committed to providing guidance every step of the way. From your initial consultation through your procedure and recovery, we strive to ensure you feel informed, supported, and prepared.
Understanding Your Payment Options
We offer a variety of payment options to accommodate different financial situations and preferences. Our goal is to make the process straightforward so you can focus on your goals and outcomes.
Accepted Forms of Payment
Columbus Cosmetic accepts:
- Cash
- Personal checks
- Credit cards, including major providers such as Visa, Mastercard, and American Express
- Third-party healthcare financing options (CareCredit and Cherry)
For breast reconstruction cases only, we also accept most insurance plans, subject to eligibility and coverage.
When Are Payments Due?
To keep everything clear and predictable, here’s how our payment structure works:
- Consultation Fees: Due at the time of scheduling and collected over the phone via credit card
- Ancillary Procedures (Skin Care, Injectables, Laser Treatments): Payment is required at the time of service
- Surgical Procedures:
- A $1,000 deposit is required to secure your surgery date
- Deposits must be paid via cash, check, or credit card
- Financing options cannot be used for surgery deposits
- The remaining balance is due at your preoperative visit, typically 2–3 weeks before surgery
While we do not offer in-house payment plans, some patients choose to make incremental payments toward their surgical balance owed at the preoperative visit.
Plastic Surgery Financing Options
For patients interested in spreading out the cost of cosmetic surgery, we partner with trusted third-party providers specializing in healthcare financing.
CareCredit
CareCredit is a widely used medical credit card designed specifically for healthcare expenses, including cosmetic surgery procedures.
Key features include:
- Promotional financing options for qualified applicants (including 0% interest and low-interest payment plans)
- Flexible repayment terms based on credit approval
- Ability to cover a range of medical expenses, including elective procedures
Cherry Financing
Cherry offers a simple and accessible financing solution with a quick application process.
Benefits of Cherry include:
- Fast approval decisions
- Flexible monthly payment options
- No hard credit check during initial application (soft credit check may apply)
- Transparent repayment terms with clear interest rate information
What to Expect During the Application Process
Applying for cosmetic surgery financing is designed to be straightforward. While each provider has its own criteria, most applications involve:
- Basic personal and financial information
- A review of your credit history or credit score
- Determination of loan terms, including interest rate and repayment schedule
Approval rates, loan amounts, and annual percentage rates will vary depending on your financial health and credit profile. Patients with excellent credit may qualify for lower interest rates or promotional financing options.
We encourage patients to carefully review all terms, including any fine print, before committing to a financing plan.
Insurance Coverage for Reconstructive Surgery
What Does Insurance Cover?
At Columbus Cosmetic, insurance is accepted for:
- Breast reconstruction following breast cancer surgery
- Prophylactic breast reconstruction for cancer prevention
These procedures are considered medically necessary and may qualify for insurance coverage.
Important Limitations
It is important to understand that most cosmetic procedures are not covered by insurance. This includes:
- Breast reduction
- Eyelid surgery
- Gynecomastia surgery
- Skin removal procedures
- Other elective cosmetic procedures
Even if a patient wishes to submit claims independently, procedures categorized as cosmetic are typically not eligible for reimbursement. In these cases, we provide cosmetic diagnosis and procedure codes, which are not commonly approved by insurance providers.
Insurance Verification and Claims
Our team works to support patients through the insurance process:
- Insurance verification is attempted in-house by our Insurance Coordinator
- Authorization approval is required for most insurance-based procedures
- Breast reconstruction claims are submitted through a contracted billing company
It is important to note that authorization does not guarantee payment. Coverage depends on several factors, including:
- Whether your deductible has been met
- Specific plan coverage and exclusions
- Medical necessity as determined by your insurance provider
Patients undergoing reconstructive procedures will review and sign an Advanced Beneficiary Notice outlining these considerations.
Planning for Your Procedure with Confidence
Understanding the total cost of your procedure and your available financing options helps you make informed decisions. At Columbus Cosmetic, we believe in clear communication and personalized guidance.
Dr. Houser and our team take the time to walk through every aspect of your care, including financial considerations. We encourage open conversations so you feel comfortable and confident throughout your journey.
Frequently Asked Questions About Plastic Surgery Financing
What is plastic surgery financing, and how does it work?
Plastic surgery financing allows patients to pay for cosmetic procedures over time instead of paying the entire balance up front. Third-party providers like CareCredit and Cherry offer flexible monthly payment options based on your credit approval, loan amount, and repayment terms.
What payment options are available at Columbus Cosmetic?
Columbus Cosmetic accepts cash, check, and major credit cards, including American Express. For patients seeking flexible payment options, we also partner with healthcare financing providers to help manage out-of-pocket medical expenses.
Can I use financing for my surgery deposit or the entire balance?
Financing cannot be used for the initial $1,000 surgery deposit. This deposit must be paid via cash, check, or credit card. However, financing options may be used to cover the remaining balance, which is due at your preoperative visit.
Does insurance cover any plastic surgery procedures?
Insurance is accepted for breast reconstruction procedures related to breast cancer treatment or prevention. Most cosmetic procedures, including breast reduction and other elective procedures, are not submitted to insurance and are not eligible for reimbursement.
How do I know what my monthly payment will be?
Monthly payment amounts vary based on your credit score, financial situation, and the financing plan you choose. CareCredit and Cherry both offer online tools to estimate your monthly payment, interest rate, and repayment period before applying.
Start Your Journey Today
Your path toward greater confidence and enhanced beauty begins with the right information and support. If you have questions about plastic surgery financing or would like help exploring your options, our team is here to assist you.
Contact Columbus Cosmetic today to schedule your consultation and take the next step with clarity and confidence.