Cosmetic Plastic Surgery Financing
Prosper Healthcare Lending
Prosper Healthcare Lending is the premier financing company in the healthcare industry. With over $3 Billion borrowed and over 250,000 people empowered, this is a name and a program you can trust.
Here are some of the benefits you’ll receive with a loan from Prosper Healthcare Lending:
- Immediate decisions without affecting your credit!
- Longer terms for lower monthly payments
- No collateral required
- No prepayment penalties
- Fast & easy loan inquiry process
- 100% Confidential
*Patients must present their care credit card IN PERSON to the office when using care credit.
Enjoy your results now and pay later with convenient payment plans available through CareCredit! www.carecredit.com
CareCredit cosmetic plastic surgery financing affords patients the ability to have their procedure and pay over time. There are a number of different payment options available – some plans even offer a 0% promotional period! Apply before your visit with Dr. Spiegel to allow yourself to enjoy full correction with an in-office procedure or get an idea of what your realistic surgical budget will be.
Learn more on CareCredit’s Plastic Surgery Financing guide or contact our office at 617-414-5058
Click here to fill out an application with CareCredit.
What Is CareCredit?
CareCredit is a personal line of credit for healthcare treatments and procedures for your entire family, including your pets. It works like a credit card but it has two advantages. It can only be used for healthcare services and you can get No Interest* financing every time you use it. Simply pay your minimum monthly payment and pay off the entire balance by the end of your promotional period and you pay No Interest. You can get a No Interest* payment plan if paid in full within 6, 12, 18 or 24 months on purchases with your CareCredit card. Interest will be charged to your account from the purchase date if the promotional balance, including optional charges, is not paid in full within 6, 12, 18 or 24 months or if you make a late payment. Minimum monthly payments are required.
Where Can I Use Carecredit?
Your CareCredit card can be used at over 125,000 participating healthcare practices nationwide for services including LASIK, Veterinary, Dentistry, Cosmetic Treatments, Cosmetic Surgery, Hearing Care and more. Once you have CareCredit you can use it over and over without reapplying for you, your family, and even your pets!
How is CareCredit different from my Visa or MasterCard?
Save your consumer credit cards for household or unplanned expenses! Unlike your Visa or MasterCard, CareCredit is exclusive for healthcare services and you can get No Interest* financing every time you use it. If you need more time to pay for your procedure, you can take advantage of our extended payment plans with low, fixed interest rates.
You can get a No Interest* payment plan if paid in full within 6, 12, 18 or 24 months on purchases with your CareCredit card. Interest will be charged to your account from the purchase date if the promotional balance, including optional charges, is not paid in full within 6, 12, 18 or 24 months or if you make a late payment. Minimum monthly payments are required.
I’m not sure I want another credit card. Why do I want CareCredit?
CareCredit is designed specifically for your healthcare needs and wants, but once you’ve applied you can use it repeatedly for anyone in the family including your pets. Because it is not meant for all consumer purchases you can manage your out-of-pocket medical costs more efficiently while enjoying No Interest* financing (for at least 6 months and perhaps more depending on plan) each time you use it. In addition there are no up-front costs, no pre-payment penalties, and no annual fees.
What is a CareCredit payment plan?
CareCredit offers a full range of payment plans. Our 6, 12, 18, and 24 month No Interest* payment plans feature monthly payments as low as 3.5% of the balance and let you pay within the specified time without incurring interest charges. Simply make your minimum monthly payment and pay off your entire balance during the agreed upon time period, and you’ll pay no interest. Interest will be charged to your account from the purchase date if the promotional balance, including optional charges, is not paid in full within 6, 12, 18 or 24 months or if you make a late payment. Minimum monthly payments are required.
How to use your insurance at The Spiegel Center
Dr. Spiegel’s procedures are life changing and empowering, and they can be costly. The good news is that at The Spiegel Center we work with any and all insurance companies. All we will need is a letter that says that your insurance company will cover your surgery with a letter called a single case agreement.
So how do you get one of these Single case agreements? That really depends on your insurance company. For example, Harvard Pilgrim will require two referral letters: a letter from your PCP and a letter of medical necessity. Once we have these two letters we can proceed. You and Dr. Spiegel will develop a treatment plan that will be submitted to Harvard pilgrim along with your two doctor letters. As soon as authorization is obtained, we will work together to pick you a date for surgery.
Different insurances work differently, and in some cases you will need to submit CPT codes that are specific to your case which we will provide you with following your consultation with the doctor. We recommend that you develop a relationship with your case manager and notify them about any uncovered procedures, co-insurance, or deductibles to help them advocate for your coverage.
Once we receive your single case agreement, we can schedule your surgery. The single case agreement can take some time. You have options, and you may choose to pay out of pocket and submit your bills to your health insurance for reimbursement. Here at The Spiegel Center we have worked with a lot of insurance companies over the years and we are here to help. You can follow The Spiegel Center on all major social media platform, or give us a call at 617-566-3223