Financing | Insurance

Dr. Szpalski accepts a variety of health insurance plans for our reconstructive patients. However, health plans and individual circumstances vary widely, and your reconstructive surgery or procedure might not be covered by your specific health plan.

Most cosmetic procedures are not covered by insurance, as they are considered elective, rather than necessary for the health of the patient.  We invite you to review our financing options for more information

Many reconstructive procedures are often covered by health insurance, including:

  • Breast reduction (based upon patient condition)
  • Breast reconstruction
  • Facial reconstruction
  • Some nose surgeries (to repair a deviated septum)
  • Eyelid surgery (to restore vision in patients with heavy, drooping eyelids)
  • Hernia repair

We participate with the following health insurance plans* for reconstructive services (and many others):

  • AmeriHealth®
  • Aetna®
  • Cigna®
  • United/Oxford®
  • UMR®
  • UMH®
  • Clover Health
  • Horizon® BCBSNJ
  • Meritain®
  • Humana®

If you have any questions, contact our office.

*Please be advised that we do not take any Medicaid plans.

*Please be advised that we do not participate with all their plans

Payment Options

For your convenience, we take payments by cash, check, and money order.

Our office also accepts the following credit cards:

  • Visa
  • Mastercard
  • American Express

Patient Loan Financing

Cherry helps patients get the care they need with smaller monthly payments. Cherry offers instant funding, 0% APR options, no hidden fees or hard credit checks.

Click here to see if you prequalify for Cherry Financing.

PatientFi removes cost barriers by offering patients friendly, monthly plans, so more patients can say yes to the elective procedures they want. With PatientFi, you can pay over time, and there is no impact on your credit. They offer plans for both cosmetic, skin, and plastic surgery procedures.

Click here to see if you prequalify for PatientFi Financing.

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