Plastic Surgery Financing Options

Payment Options and Financing Plans for Every Budget

Ohio Plastic Surgery Specialists are committed to providing the best possible care and to keeping your costs as low as possible. We will discuss estimated fees with you prior to surgery or non-surgical treatments. While some plastic and cosmetic procedures are elective and, therefore, not covered by insurance, others are covered. We work with all insurance plans to help patients understand their coverage. When procedures and treatments are not covered, we want you to still be comfortable with your payment and financing options. Call us for a consultation with our doctors to find out your options.

For your convenience we accept Visa, MasterCard, Discover, American Express and Cherry, CareCredit, and PatientFi medical spa and plastic surgery financing options, and most major medical insurance for certain procedures. We offer an array of programs designed to meet your individual needs.

Types of Payments Accepted

  • Credit Cards: Visa, MasterCard, Discover, or American Express.
  • Financing Options: Cherry, CareCredit and PatientFi plastic surgery financing options give you the freedom to schedule your plastic surgery procedure whenever you’re ready.
    • Cherry financing is a simple 60 sec application with no hard credit check (see application below). Cherry offers 6 weeks to up to 60 months with qualifying 0% APR and no hidden fees.
    • With CareCredit’s three simple steps, including an instant approval process, you can say goodbye to the waiting time and reward yourself sooner. CareCredit offers interest-free loan options starting as low as $300 for 3, 6, or 12 months to qualified applicants.
    • PatientFi offers pay over time flexibility with zero-interest and long-term fixed-rate monthly plan options. A PatientFi application will not impact your credit score and there is no down payment required.

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Your Initial Consultation

Every personalized treatment plan begins with a one-on-one consultation with Dr. Bernacki. To reserve this dedicated time, we ask for a $100 consultation fee, due at the time of your visit. This fee reflects the value of Dr. Bernacki’s time and expertise, and ensures you receive his full, unhurried attention as you discuss your goals and explore your options.

Ready to get started? Schedule your consultation online here, complete our contact form, or call us at 614-682-5095.

 

Ohio Plastic Surgery Specialists is located at 1085 East Johnstown Rd., Gahanna, Ohio 43230. We know cost is often one of the biggest factor in deciding when to move forward with a procedure, which is why we work to make plastic surgery financing options as straightforward as possible. If part of your treatment is covered by insurance, our team will walk you through exactly what’s covered so you can apply financing only to the remaining balance — never more out of pocket than necessary.

Ready to get started? Schedule a consultation online, complete our contact form, or call 614-682-5095. Our office is open Monday–Thursday, 9:00 AM–4:00 PM (closed 12:00–1:00 PM for lunch), and Friday, 9:00 AM–1:00 PM.

Financing FAQs:

Will applying for financing affect my credit score?
It depends on the provider. Cherry uses a soft credit check that won’t affect your score, and a PatientFi application has no impact on your credit either. CareCredit’s process moves quickly, with an instant approval decision for qualified applicants.

Is a down payment required?
This depends on which financing options you select. PatientFi requires zero down payment. Ask our team about the details for Cherry and CareCredit based on the plan that fits your procedure.

How long does approval take?
Most of our financing partners offer instant or near-instant decisions. Cherry’s application takes about 60 seconds, and CareCredit offers an instant approval process in three simple steps.

What financing terms are available?
Cherry offers 6 weeks up to 60 months, with qualifying 0% APR and no hidden fees. CareCredit offers interest-free options starting as low as $300 for 3, 6, or 12 months for qualified applicants. PatientFi offers zero-interest, long-term fixed-rate monthly plans.

Can I finance the portion of a procedure not covered by insurance?
Yes. We work with all major insurance plans to help you understand what’s covered, and plastic surgery financing options can be applied to any remaining balance.

What’s the difference between Cherry, CareCredit, and PatientFi?
Cherry is best for a fast, no-hard-credit-check application with short- to mid-term 0% APR plans. CareCredit offers instant approval and interest-free terms for smaller balances starting at $300. PatientFi is built for larger balances, with no down payment and long-term fixed-rate options.