Patient Resources
Insurance and payment
Financing for cosmetic procedures is available through Cherry, with plans you can check in minutes without affecting your credit score. Where a condition is a covered medical problem rather than a cosmetic one, we help patients seek reimbursement from their insurance company.
At a glance
Cosmetic financing
Cherry
Plan lengths
6 weeks to 60 months
Credit check
Soft, no score impact
Medical claims
We help you submit
Our status
Out of network
Anesthesia
Often in network
Where
West Annapolis Surgery Center
What a fee includes
One figure for cosmetic surgery, quoted in writing
What the number covers, and what sits outside it.
A cosmetic fee covers
You will receive it in writing at your consultation, as a single figure, with no separate facility bill to follow. Typical costs are listed on each procedure page.
Where a procedure is medically necessary and billed to insurance, the single-figure quote does not apply, and anesthesia is billed separately. That is set out below.
Cosmetic procedures
Financing through Cherry, or elsewhere if you prefer.
Purely cosmetic surgery is not a covered benefit under any insurance plan, so it is paid for directly. For patients who would rather spread the cost over time, we work with Cherry, a patient financing company built for medical and aesthetic practices.
Applying takes about a minute and uses a soft credit check, so it does not affect your credit score. You will see the plans you qualify for before committing to anything, and you can apply before your consultation or after, whichever you prefer.
Plans range from four interest-free payments over six weeks to monthly installments as long as sixty months, with 0% APR available for those who qualify. There is no deferred interest, so the figure you agree to is the figure you pay.
Cherry is not the only route. Prosper Healthcare Lending is a separate company we are happy to point you to, and we are not affiliated with them. You are free to arrange financing wherever you choose.
Fees are quoted in full at your consultation either way, so you know the whole figure before you decide. And if cost is a consideration, say so — there are often staged or less extensive approaches to the same concern, and that is a more useful conversation to have before a plan is made than after.
Apply with Cherry
See your plans in a few minutes, with no effect on your credit score.
Check my optionsWhere a problem is medically necessary rather than cosmetic, Dr. Sandel is an out-of-network provider, and we prepare the documentation your insurer needs and submit on your behalf.
Cherry patient financing
Estimate your monthly payment.
Checking what you qualify for takes a few minutes and does not affect your credit score.
Often reimbursable
Conditions insurers may cover.
These are medical problems, not cosmetic ones. Coverage depends on your plan and on documentation, but they are the situations where reimbursement is realistic.
Nasal airway
Deviated septum
Septoplasty to correct a deviated septum that obstructs breathing. A functional problem, distinct from reshaping the nose for appearance.
Nasal airway
Breathing disorders
Turbinate reduction, valve repair, and other procedures addressing nasal obstruction rather than aesthetics.
Skin
Abnormal skin lesions
Excision and pathology for lesions that need to be removed and examined rather than left alone.
Skin
Skin cancer procedures
Excision of diagnosed skin cancers, including margin control and closure.
Reconstruction
Mohs repairs
Reconstruction of the defect left after Mohs excision, which is a reconstructive procedure rather than a cosmetic one.
Reconstruction
Facial reconstruction
Repair after trauma, tumour removal, or congenital difference, where the aim is to restore form and function.
How the billing works
Out of network for the surgeon, often in network for anesthesia.
This distinction matters, and it is worth understanding before you start. It affects what you pay up front and what comes back to you afterwards.
01
We document the indication
The medical reason for the procedure is recorded and coded properly. This is the part that determines whether a claim succeeds, and it is the part within our control.
02
You pay us, then claim
Dr. Sandel is an out-of-network provider and is paid directly. We supply the operative report, coding, and any documentation your insurer requests so the claim can be submitted for reimbursement.
03
Anesthesia bills separately
For medically necessary procedures in our surgery center, the anesthesiologist is frequently in network with your plan and bills you separately at their contracted rate.
Questions
What patients ask us.
Not sure which yours is?
Whether a problem is medical or cosmetic is a clinical judgement, and it is often not obvious. Ask us and we will tell you plainly.