Patient Information / Financing and Insurance
Financial Information
At the time of your initial consultation, Dr. Rubinstein’s patient care coordinator will provide you with a surgery quote for the cosmetic surgery. Anesthesia and Facility fees are extra.
We will file your insurance paperwork to help receive all entitled reimbursements for non cosmetic surgery. Please bring your insurance forms with you and have your portion filled out and signed to expedite the filing of your claim.
Filing your claim: Our patient care coordinator will be happy to discuss payment arrangements that will suit your needs. We accept cash, check, Discover, MasterCard and Visa. A 20 % non-refundable deposit is made to reserve a surgery date. The balance is due at the pre-operative visit scheduled 2 weeks prior to your surgery.
Affordable financing is available and is frequently used by many of our patients. Applying for financial assistance has never been easier. Simply fill out an online application or call any of the following companies below and apply over the phone. Applying before your consultation or treatment with our office will allow you to financially be prepared for your aesthetic goals.
Care Credit:
3 or 6 Months with no interest
Extended payment plans: 24,36,48,60 months. (13.90% Fixed APR)
Online application: www.carecredit.com
Phone application: 1-800-365-8295
Chase Health Advance:
3 Months with no interest
Extended payment plans: 24,36,48 months. (13.99% - 27.99% APR)
Online application: www.chasehealthadvance.com
Phone application: 1-800-510-5638
* Our ID # :12833 (you will need this number when applying)
Insurance
Services performed at the medical spa are not covered by insurance. Non-cosmetic consultations with Dr. Rubinstein may by covered by your insurance.
Our insurance coordinators deal with many insurance companies. Some companies offer up to six medical plans. Because many companies frequently change policies, it is sometimes difficult to accurately estimate our patient's insurance co-payment. Many insurance companies will not give out fees until after the treatment is completed. As a courtesy, we ask that you keep us informed of any change to your insurance. It is important that all information about you is current.
Co-Payment: All co-payments are payable when you check in at the front desk. No charges are made or co-payments taken for cosmetic consults.
HMO Patients: If a patient comes to Dr. Rubinstein with a problem that they expect to be covered by medical insurance, (biopsies, tumors, infections, deformities) they must have a referral from their primary care physician. Obtaining a medical referral is the patient's responsibility. We cannot obtain the referral for you, and the referral cannot be obtained retroactively. If you do not have a referral, we will be happy to see you on a cash basis, but your medical insurance company will not pay for your treatment.
Medicare Patients: Medicare pays Dr. Rubinstein directly for your care. You are responsible for any deductible and co-insurance. If Medicare denies your procedure, you are responsible for the charges.
Private and Group Insurance: As a courtesy, we will file your insurance claims for you. Upon receipt of an insurance payment, any balance due will be billed to you. If you have deposited an excessive co-payment, it will be refunded to you.
If you have any problems or questions, please ask our staff. They are well informed and up-to-date. Please call if you have any questions or concerns regarding your initial visit.