Financing options

For the portion of your care that isn’t covered by insurance, third-party medical financing options exist that many of our patients use to make treatment manageable. We walk you through which options are appropriate for your situation and how to apply — calmly, in writing, after the clinical plan is set.

How the financial conversation works at our practice

The financial conversation never happens during your free consultation. It happens later, in writing, once we’ve agreed on a clinical plan and you know what you actually need. We share the full scope of recommended care, what your insurance verification indicates is potentially covered, and the patient-responsibility portion — and only then do we walk through how patients in your situation have typically funded the gap.

The main third-party options patients use

We do not recommend any one provider — patient needs differ. The options that show up most often in our practice:

CareCredit

A widely-used health-and-wellness credit card accepted at our practice. Often offers promotional financing periods for qualified applicants. You apply directly with CareCredit; approval is between you and them, not us. We provide the documentation you need to submit a charge.

Alphaeon Credit

A medical-financing partner with terms similar to CareCredit, sometimes more flexible for larger balances or longer terms. Same model: you apply directly; if approved, you can use the line of credit at our practice.

Personal medical loans

Some patients prefer a fixed-term personal medical loan from a bank, credit union, or specialty lender. We can supply itemized statements of recommended services as part of your loan application.

HSA / FSA balances

If you have a Health Savings Account or Flexible Spending Account, the portions of care that qualify as eligible medical expenses (which is most of it) can typically be paid from those accounts. We provide itemized receipts in HSA/FSA-friendly format.

Practice payment plans

For patients with whom we have an established care plan, we can sometimes structure scheduled-payment arrangements directly. This is decided case-by-case, in writing, alongside the surgical timeline.

What we hold to, on financial matters

• No surprise charges. Every charge is written down before it’s incurred.
• No pressure-to-decide on financing. Decisions about how to fund treatment happen on your timeline, not ours.
• No upselling. If conservative care is the right answer for you, we say so — and that’s the cheapest path, by a lot.
• Transparent denial reporting. If insurance denies a portion of your claim, we tell you in writing what was denied and what the appeal options are.

What to ask us on your consultation

The most useful financial questions to bring to your free consultation are open-ended — “what’s the full scope of care you’d recommend for me, and what does the insurance-vs-out-of-pocket picture typically look like for that scope?” — rather than pre-decided ones about specific lenders. Once we know your clinical plan, we can map the financial conversation to it cleanly.