Financing

As you make your decision about whether to undergo plastic surgery, cost is always a consideration. Two important areas to address are whether your health insurance will cover the procedure, and if not, what your options are in terms of financing the surgery. 

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Financing

As you make your decision about whether to undergo plastic surgery, cost is always a consideration. Two important areas to address are whether your health insurance will cover the procedure, and if not, what your options are in terms of financing the surgery. 

Insurance Coverage 

Plastic surgery can be performed for cosmetic reasons, functional impairment, or a combination of the two. When performed for correcting a functional impairment, it is considered to be “reconstructive” (due to congenital defects, developmental abnormalities, trauma, disease, etc.) and your insurance may cover a portion of or the entire cost of your treatment depending on your insurance plan and the procedure you need to undergo.  

Reconstructive procedures that are often covered by insurance companies include: 

  • Septoplasty / rhinoplasty (nose job to improve breathing if certain criteria are met) 
  • Upper blepharoplasty (eyelid surgery if there is a visual field impairment) 
  • Facial trauma & fractures 

However, plastic surgery for cosmetic purposes is solely performed to enhance your physical appearance and considered not to be medically necessary and therefore generally not covered by health insurance policies. Our staff can help determine what portions, if any of your procedure would be covered by your insurance. We also recommend you consult with your insurance provider directly to inquire about your specific health insurance plan and see what may and may not be covered. 

Financing is available through CareCredit, Alphaeon Credit, or GreenSky Patient Solutions 

If the plastic surgery you desire isn’t covered by insurance and you can’t afford to pay for it out-of-pocket, you don’t necessarily have to put your beauty desires on hold until you save up enough money. The Atlanta Institute for Facial Aesthetic Surgery works with Care Credit and Alphaeon Credit to provide patients with convenient, low-interest financing for any of our plastic surgery procedures. 

CareCredit 

CareCredit is a healthcare credit card designed for your health and wellness needs. It’s a way to pay for the costs of many treatments and procedures and allows you to make convenient monthly payments. With CareCredit, you can pay 100% of your cosmetic procedure. There are no application fees, no upfront costs, no annual fees, and no pre-payment penalties. You can schedule your procedure today and conveniently pay with low monthly payments. CareCredit is accepted at over 225,000 providers nationwide for Cosmetic and Dermatology Procedures, LASIK and Vision Care, Dentistry, Veterinary, Hearing Care and other specialties. CareCredit is now also accepted at select retail locations.  

CareCredit is different from a regular credit card. You can use it to pay for out-of-pocket expenses not covered by medical insurance, and special financing options are available that you may not be able to get with other cards. Once you’ve applied, you can use it again and again at any location that accepts CareCredit.  

With shorter term financing options of 6, 12, 18 or 24 months, no interest is charged on purchases of $200 or more when you make the minimum monthly payments and pay the full amount due by the end of the promotional period. If you do not, interest is charged from the original purchase date (subject to credit approval). CareCredit also extends longer term healthcare financing for 24, 36, 48 or 60-month periods with reduced APR and fixed monthly payments required until paid in full. Purchases of $1,000 or more may be eligible for a 24 months offer with a 14.90% APR, a 36 months offer with a 15.90% APR or a 48 months offer with a 16.90% APR. Purchases of $2,500 or more may be eligible for a 60 months offer with a 17.90% APR.** 

For complete details, please visit the CareCredit® website and see the CareCredit account agreement within your application. 

You can apply online at www.carecredit.com, or by calling Care Credit toll free at 1-800-677-0718. 

If you are unsure of the cost, please contact us for assistance at 470-900-FACE. 

Alphaeon Credit 

An Alphaeon Credit Card, offered by Comenity Capital Bank, is a simple way to pay for procedures, treatments, products, and services provided by plastic surgeons, dentists, dermatologists, and ophthalmologists. There is a simple application you can complete online (link) and if approved, which typically takes 7-10 business days, you’ll receive an account number and a credit limit. There is no application fee, no annual fee, and no prepayment penalty.  

When you’re ready to pay, simply tell Dr. Walker’s staff you want to use your Alphaeon Credit Card to pay.  

With an Alphaeon Credit Card, you’ll find a wide array of monthly payment options to help you achieve your cosmetic goals. While you may earn points or miles with your regular credit card, an Alphaeon Credit Card offers promotional financing plans with interest rates that may be lower than you’d receive with another credit card. Plus, by using the Alphaeon Credit Card, you can keep your other credit card lines open for non-healthcare related purchases and/or emergencies.  

To apply for an Alphaeon Credit Card, apply here

GreenSky Patient Solutions 

The GreenSky program makes it possible for you to receive the healthcare treatments and services you want and need without delay. GreenSky program offers an easy way to pay for treatments and procedures not covered by your health insurance or to cover your deductibles. With over 5 million consumer loans funded, the GreenSky program offers trusted healthcare financing options to give you a simple and affordable way to pay for the care you need.  

Installment loans are perfect for one-time, episodic care. This platform features credit limits of up to $65,000, prequalification with no effect on credit scores, dozens of available plans, and a mobile app. 

Revolving credit lines are ideal for recurring procedures with multiple visits. Patients can be approved for credit lines up to $25,000 while promotional credit options are available to enhance affordability. 

Whether you select a revolving or installment loan financing platform, a customized lending program from GreenSky Patient Solutions may be a good choice for you. 

To apply for  GreenSky Patient Solutions, apply here