Financing & Insurance

Financing Options

We offer flexible financing through Cherry and CareCredit^®. Cherry makes it easy to split the cost of your treatment into manageable monthly payments with quick approvals and no hard credit checks. CareCredit^®, a trusted healthcare financing company, provides a range of short- and long-term plans, often with promotional interest rates. Both options are designed to fit your budget, making it easier to achieve your aesthetic goals without delay.

How is my interest rate determined?

The interest rate depends upon your treatment fee, repayment term, and credit standing. You can choose from a variety of plan lengths, typically ranging from 6 to 60 months. Interest rates vary based on the company and may range from low promotional offers to standard rates.

Can I prepay my loan?

Most companies we finance through allow you to prepay your loan without penalty. If you want to pay a little extra any month or pay off the entire balance early, you’ll minimize the amount of interest you pay.

What kind of information do I need to apply?

The process is fast and easy. You will be asked some very basic questions regarding residence and employment to help get you qualified. You must be at least 18 years of age to apply. Applications can typically be submitted online or over the phone.

What is the minimum / maximum amount I can finance?

Financing is available for cosmetic procedures in many ranges—each company has different limits.
Is my loan paid to me or my doctor?

Your loan is paid directly to the doctor, you pay the finance company back on a monthly basis.

When should I apply for my loan?

You can apply anytime. Your loan is valid for a period of time as specified by the loan officer (typically around 90 days). Schedule your treatment within that timeframe. After the initial timeframe, you will need to reapply.

Can I pay a portion of my cosmetic fee and finance the rest?

Yes, you can pay the practice a portion of your cosmetic fee directly and finance the remaining balance.
Can someone else co-sign the loan?
Yes, the terms vary for each company, but co-signing options are available with most financing companies.

Please note: Financing terms, interest rates, and approval decisions can vary based on your individual application and the lender’s policies. Our team is happy to assist you with any questions about the process.

Insurance Coverage

While many cosmetic procedures are considered elective and not covered by insurance, some treatments may qualify for partial or full coverage depending on your plan and the medical necessity of the procedure. At Richmond Aesthetic Surgery, our team is happy to work with you to determine whether your treatment may be eligible for insurance benefits. We can assist with the documentation and verification process to help make your experience as smooth and stress-free as possible.

What Insurance Carries Do You Take?

Anthem/Blue Cross Blue Shield (BCBS)

We proudly accept Anthem/BCBS insurance plans. Coverage may vary by procedure, so we encourage you to check with your provider or contact our office for assistance verifying your benefits.

Aetna

Our practice is in-network with Aetna. Whether you’re planning a consultation or follow-up visit, our team is happy to help you understand what your plan may cover.

Cigna

We accept Cigna insurance plans and can work with you to determine what services are eligible under your coverage. Please reach out to us with any questions.

United Healthcare

If you’re covered by United Healthcare, you can count on our office to help navigate your benefits. We’re here to make the process as smooth as possible.

Other Insurance Plans

We also accept many plans from smaller insurance carriers. If you don’t see your provider listed, our team is happy to assist you in verifying your benefits and understanding your coverage options.

Will Your Insurance Company Pay For Cosmetic Surgery?

Insurance companies only pay for surgery if it is not considered cosmetic surgery. Your doctor can give your insurance company documentation about your condition. This is a partial list of procedures that may be covered by insurance:

Abdominal Surgery, When It Is Performed To:

• Alleviate health problems such as back pain, sores, hernia, and rashes
• Restore the ability to walk normally

Breast Surgery, When It Is Performed To:

• Correct congenital asymmetry
• Reduce overly large breasts that are causing health problems (shoulder grooving, neck and back pain etc.)
• Reconstruct a breast lost to disease
• Correct congenital absence of breast
• Reduce over-developed male breasts (gynecomastia)

Ear Surgery, When It Is Performed To:

• Correct congenitally deformed ears
• Reconstruct ears that are deformed by disease or injury

Eyelid Surgery, When It Is Performed To:

• Correct drooping of upper eyelids that are obscuring vision
• Correct out-turned or in-turned lower eyelids

Facial Surgery, When It Is Performed To:

• Correct an asymmetrical appearance caused by facial paralysis
• Treat conditions affecting the facial muscles lips and cheeks
• Treat traumatic deformities
• Correct head and neck deformities

Hand Surgery, When It Is Performed To:

• Treat carpal tunnel syndrome
• Correct Dupuytren’s contracture, treat tendon & nerve injuries
• Correct syndactyly (fused fingers) and other congenital deformities

Nasal Surgery, When It Is Performed To:

• Correct deformities resuming from birth defects or disease
• Treat injuries or nasal deformities that may affect breathing

This list was developed with information obtained from The American Society of Plastic Surgeons (ASPS).