Insurance Coverage

Typically, plastic surgery is covered by insurance only if there is a medical need for it. Most health insurance policies cover reconstructive surgery, although the extent of coverage varies from one policy to the next.

Health care policies typically do not cover elective cosmetic surgery, because it is not considered a medical necessity. Yet, there are times when there may be a medical need for cosmetic surgery. Our staff can help you determine whether all or part of your surgery can be covered by your insurance.

In the case of partial coverage, you will be responsible for the difference between the covered amount and our fee, as well as for any deductibles or copayments. We ask that all insurance accounts be paid in full within 60 days.


Our fees are generally comparable with those of other plastic surgeons in our geographic area. For each procedure, Plastic Surgery Associates charges a comprehensive fee that includes many valuable services and top-quality care. We’ll discuss specific fees with you during your private consultation.

Financing Plastic Surgery

At your consultation, we will provide you with all the information you need to make an informed decision about how to pay for surgery. In addition to accepting American Express, MasterCard, Visa and Discover, we offer cosmetic surgery financing through CareCredit® and M~Lend Financial. We provide patients with a variety of payment options, including interest-free and low interest plans that help facilitate treatment.

PatientFi Finance

  • Transparent Financing: PatientFi offers a transparent and patient-centric financing model for affordable healthcare.
  • Simple Interest Calculation: Benefit from straightforward interest calculations without the burden of deferred interest penalties.
  • Soft Credit Check: No need to worry about your credit score – PatientFi conducts a soft credit check that won’t impact your rating.
  • Structured Monthly Payments: Enjoy the convenience of structured monthly payment plans, providing clarity and predictability.
  • Clear End Date: Each payment plan comes with a clearly defined end date, empowering you to manage healthcare expenses with ease.
  • Promotional Financing Rates: Avail yourself of promotional financing with rates ranging from 10.5% to 25.99%, ensuring competitive options.
    • Fixed Rate Financing: Opt for stability with fixed rate financing at 14.9% across all terms, offering consistency in your payments.
  • Click here to apply!

CareCredit® Healthcare Finance

  • 0% interest for the first 6 months.
  • No minimum amount required for financing.
  • Some exclusions apply.
  • 24 & 36 months extended payment plans available. Call today!

CareCredit® ~ PO Box 1710 Costa Mesa, CA 92628-9923

Phone #: 1-800-365-8295

Fax #: 1-866-244-2362

Click here for your online credit application.

For more information about insurance and fees, contact us for a personal consultation.

M-Lend Financial

  • 0% APR Introductory financing up to 12 months for qualified applicants. No mandatory payoff. No back accrued interest charged. Interest is applied to only the remaining balance going forward.
  • There are never any costs to apply
  • Applying is easy. Call to apply at: 888-474-6231
  • Finance from $200 to $100,000
  • You can pay off your balance at any time with no penalty
  • Keep other credit lines available for emergency use or other discretionary spending.

Schedule a Consultation

Plastic Surgery Associates has been delivering life-changing results to countless delighted patients since 1987. Providing the latest face, breast, body contouring and hand procedures in our state-of-the-art practice, as well as exceptional care and comfort. Ensuring you only receive the absolute best in skill and satisfaction. Always.

Contact us