Frequently Asked Questions (FAQs) for BHIPS Plastic Surgery Clinic Financing
1. What are the financing options available at BHIPS?
At BHIPS, we offer a variety of financing options, including self-pay, credit cards, personal loans, healthcare credit cards, and third-party financing companies such as CareCredit and Alphaeon Credit.
2. Does BHIPS offer any in-house financing?
Currently, BHIPS does not offer in-house financing. However, we work with several trusted third-party financing companies that offer payment plans to fit most budgets.
3. What are healthcare credit cards?
Healthcare credit cards are specialized credit cards that can be used for health-related expenses, including plastic surgery procedures. These cards, like CareCredit and Alphaeon Credit, may offer promotional financing options not available with regular credit cards.
4. How does CareCredit work?
CareCredit is a healthcare credit card that offers short-term and long-term financing for medical expenses. Short-term financing options may include 0% interest if the balance is paid within a specified promotional period.
5. Is it possible to finance the full cost of my surgery?
Yes, you can finance the full cost of your surgery depending on the credit approval from the financing company.
6. Do I need to have a good credit score to be approved for financing?
Credit approval depends on the criteria set by the individual financing company. Generally, a good credit score may increase your chances of getting approved and possibly receive a lower interest rate.
7. Are there any hidden fees or costs associated with financing?
This depends on the financing option chosen. Some may include annual fees, late fees, or charges for paying off the balance early (prepayment penalty). Always read the terms and conditions carefully before choosing a financing option.
8. Can I use my insurance to pay for plastic surgery at BHIPS?
Insurance coverage depends on the nature of your procedure. Cosmetic surgeries are typically not covered by insurance. However, if your procedure is deemed medically necessary, such as reconstructive surgery after an accident or illness, your insurance may cover part or all of the cost.
9. What is the process for applying for financing?
Once you have selected a preferred financing option, you can apply online through the respective company’s website or with the help of our staff at the clinic. You will typically need to provide personal information for a credit check.
10. How soon will I know if I’m approved for financing?
In most cases, approval (or denial) is provided within minutes of applying. This can vary depending on the financing company.
Please reach out to our financial counselor or front office staff for any additional queries. At BHIPS, we are committed to making your journey to self-improvement as smooth and accessible as possible.