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
Cosmetic procedures
We offer financing through Cherry.
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.
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, we also prepare the documentation your insurer needs and submit on your behalf as an out-of-network provider.
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
As an out-of-network provider we are 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.
Yes, through Cherry. You can check what you qualify for in a few minutes without affecting your credit score, and you will see the available plans before committing. Cosmetic fees are also quoted in full at the consultation, so you know the total either way.
No. Cherry uses a soft credit check to show what you qualify for, which does not affect your credit score.
They range from four interest-free payments spread over six weeks to monthly installments as long as sixty months. Which options you see depends on the amount and on your approval. There is no deferred interest on any of them.
That is a clinical judgement and it is often not obvious from the outside. A deviated septum causing obstructed breathing is a medical problem; reshaping the nose for appearance is not, even though both are addressed during rhinoplasty. Ask at the consultation and we will tell you which category yours falls into, and why.
It means we do not have a contracted rate with your insurer. You pay us directly, we provide the operative report and coding, and you or we submit the claim for reimbursement. What comes back depends on your plan’s out-of-network benefit, your deductible, and whether the procedure is judged medically necessary.
The anesthesiologist bills separately and holds their own contracts with insurers. For medically necessary procedures performed in our surgery center, anesthesia is frequently in network even though we are not. It is a genuinely useful distinction, because it reduces the portion you pay out of pocket.
No, and neither can anyone else. Coverage decisions rest with your plan. What we can do is document the medical indication properly, code it correctly, and provide what your insurer asks for. Good documentation is the part that is within our control.
For most medically necessary procedures, yes. It is worth contacting your insurer before surgery to confirm the benefit and to ask what documentation they require. We will supply whatever they need.
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.