We deal with many insurance companies and participate in most local HMO’s and PPO’s. Some companies offer as many as six different medical plans. Because many employers frequently change policies and health plans frequently change their operating procedures, it is sometimes difficult to accurately estimate your exact insurance coverage. Many insurance companies will not disclose fees until after the treatment is completed. As a courtesy, we ask that you keep us informed of any change to your insurance. It is important that all information about you is current. Many insurance companies will not give out fees until after the treatment is completed. As a courtesy, we ask that you keep us informed of any change to your insurance. It is important that all information about you is current.

Co-Payment and consultation fees:
All co-payments and fees for cosmetic consultations are payable when you check in at the front desk. At the time of your initial visit, your treatment plan will be established, along with an estimate of fees. Our office manager will be happy to discuss payment arrangements that will suit your needs. We accept cash, checks, VISA and MasterCard.

Payment for all cosmetic surgery is due two weeks prior to surgery, and a deposit is required to book surgery. Cosmetic surgery is not covered by insurance.

HMO Patients:
If you come to us with a problem that you expect to be covered by medical insurance, (e.g. biopsies, tumors, infections, traumatic deformities, and nasal airway problems) you must have a referral from your primary care physician. Obtaining a medical referral is the patient's responsibility. We cannot obtain the referral for you, and the referral cannot be obtained retroactively. If you do not have a referral, we will be happy to see you on a cash basis; but your medical insurance company will not pay for your treatment. Some insurance companies may authorize only one visit and may not authorize treatments done at the time of that initial visit (e.g. a skin biopsy or an injection). Your insurance company may require that you get a second referral specifically for the procedure and return at a separate time for that procedure. If this is the case with your insurance company, we apologize that we may need to bring you back for a separate visit for a procedure that we normally could have performed at the initial consultation. We have no control over the rules of your particular health plan.

Medicare Patients:
Medicare pays us directly for your care. You are responsible for any deductible and co-insurance. If Medicare denies your procedure, you are responsible for the charges.

Private and Group Insurance:
As a courtesy, we will file your insurance claims for you. Upon receipt of an insurance payment, any balance due will be billed to you.

If you have any problems or questions, please ask our staff. They are well informed and up-to-date on the rules of each health plan in which we participate. Please call if you have any questions or concerns regarding your initial visit.