Financing with WMHS
In order for an insurance company to pay for a medical procedure, it must be deemed necessary to the patient’s recovery or health maintenance. Unfortunately, the majority of plastic surgery procedures don’t fall into this category. The one exception is procedures that offer both cosmetic and health benefits, such as reconstruction after having one or both breasts removed due to cancer. Western Maryland Health System offers a variety of payment options.
Cash or Check
Patients can pay by cash or check in one of Dr. Jackson’s offices at the completion of their outpatient surgery. She does provide a cost estimate to patients when they meet with her for the initial consultation. The estimate describes the approximate cost for various aspects of the surgery as well as any miscellaneous fees.
Major Credit Card
Western Maryland Health System also accepts Visa, MasterCard, American Express, and Discover. It is the patient’s responsibility to ensure that he or she has enough available credit on the card for the entire amount of the surgery to go through without declining.
A third option, and one that many plastic surgery patients find attractive, is Care Credit. This is a separate line of credit to pay for procedures not covered by insurance. Some examples besides plastic surgery include cosmetic dental procedures, eyeglasses, and spa treatments.
When a patient first applies for Care Credit, he or she should choose Western Maryland Health System as the provider and not Dr. Jackson. The application will also prompt the patient to input the following:
- Amount to be financed
- Full name
- Street address
- Date of birth
- Social security number
- Telephone number
- Type of housing
- Email address
- Total household income from all sources
After hitting enter, the applicant will receive an instant decision along with an assigned credit limit. A card will arrive in the mail approximately seven to 10 days later. Dr. Jackson’s patient coordinator can also look up the account number if the patient has not received the Care Credit card by the day of surgery. If the credit line is insufficient, we can also divide the amount of the surgery between Care Credit and another payment option. One advantage having Care Credit is that it doesn’t tie up the credit line on a major credit card. Additionally, it offers a revolving line of credit that can be used again in the future.
Promotional Financing Options
Care Credit offers two attractive financing programs to help make the cost of cosmetic surgery more affordable. The first is the option to pay the balance in full without interest added in six, 12, 18, or 24 months. The minimum amount required for this financing option is $200. The number of months allowed to pay for the procedure without incurring interest increases as the balance does.
The second financing option involves a reduced annual percentage rate (APR) and a fixed monthly payment until the patient pays the balance in full. Procedures priced between $1,000 and $2,499 are eligible for a 24, 36, or 48-month payment option and an APR of 14.9 percent. Plastic surgery procedures priced over $2,500 are eligible for a 60-month financing option with an APR of 16.9 percent.
Patients who are interested in applying for Care Credit can find the application here.
Contact Us for Additional Information
Anyone with additional questions about Care Credit or other financing options should contact Western Maryland Health System Plastic Surgery. The telephone number is 240-964-8931. They may also visit the Care Credit website or contact the company directly at 1-800-677-0718 with application questions.
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Western Maryland Medical Arts Center
12052 Willowbrook Road, Suite 460
Cumberland, MD 21502
Hours of Operation:
Tuesday and Thursday 8 am – 5:30 pm
Friday 8 am – 12 pm