Pricing is personalized after consultation so it reflects your anatomy, goals, the procedure itself, and the level of care involved in your plan.
Financing at Kapadia Plastic Surgery
More than one way to move forward.
We offer several financing paths, along with direct payment options, so your plan can feel more practical, more flexible, and easier to understand from the start.
Cherry
PatientFi
ALPHAEON CREDIT
Call (312) 872-8514
How to think about financing
What Your Quote Reflects
How The Team Helps
The best next step is understanding your options before you need to decide.
Some patients already know exactly how they want to pay. Others want to compare monthly payment options, understand what a quote may include, or simply get clearer on what feels most comfortable. Either is completely fine.
At Kapadia Plastic Surgery, financing is part of a larger conversation about timing, fit, and clarity. The goal is not to pressure you into a payment path. It is to help you understand your treatment plan, review the available financing partners, and choose the option that feels most sensible for you.
If you want to compare Cherry, PatientFi, ALPHAEON CREDIT, direct payment, or current CareCredit availability, the team can help you think through the practical differences.
Payment Options
A few clear paths, depending on what feels right for you.
Some patients prefer to pay directly. Others want the flexibility of financing through a third-party partner. The important thing is understanding how each path works once your treatment plan is clear.
Cash
Visa
Mastercard
Discover
Debit Cards
Cashier’s Checks
Cherry
PatientFi
ALPHAEON CREDIT
CareCredit
A Practical Note
Financing questions usually become much easier once your consultation has clarified the actual procedure, timeline, and quote. That gives you real numbers to work from instead of assumptions.
Cherry, PatientFi, and ALPHAEON CREDIT
These financing partners can help break treatment costs into more manageable payments, subject to application, approval, and each provider’s current terms.
Best for patients who want simplicity
If you already know how you want to handle payment, direct payment methods keep the process clean and straightforward.
CareCredit is still accepted during the transition
CareCredit remains available for now, though the practice expects to phase it out over time in favor of other financing options.
Financing Partners
Several options, each with a slightly different structure.
Cherry, PatientFi, ALPHAEON CREDIT, and CareCredit all help patients spread out costs, but the exact terms, approval criteria, and plan structures can vary by provider and by applicant.
The right option is usually the one that best matches your budget and timing.
Some patients want the fastest application experience. Others care most about monthly payment flexibility, promotional offers, or how the structure fits into the rest of their financial picture. That is why it helps to have more than one financing partner available.
Cherry
Cherry is designed around paying over time through installment-style payment plans, which can be helpful for patients who want to split treatment costs into smaller payments.
PatientFi
PatientFi is built for elective healthcare and cosmetic treatment financing, with monthly payment plan options that may make larger out-of-pocket costs easier to manage.
ALPHAEON CREDIT
ALPHAEON CREDIT is commonly used for aesthetic care and may offer different financing structures depending on the product and your approval profile.
CareCredit
CareCredit is still accepted at the practice at this time, though it is expected to become less central as the office continues shifting toward other financing partners.
Consult first
Start by clarifying the actual treatment plan and quote so you know what you are financing.
Compare options
Review which partner feels like the best fit based on approval, timing, and monthly payment comfort.
Move forward with clarity
Once financing is in place, the process tends to feel much more concrete and manageable.
Terms are set by the financing provider, not the practice.
Approval, promotional offers, payment length, and any credit-related details depend on the lender and your individual application. Specific terms should always be reviewed carefully before you accept any financing offer.
What Your Quote May Include
The quote is meant to be comprehensive, not vague.
Because each treatment plan is tailored, final pricing is determined after consultation. Depending on the procedure, your quote may include several components.
Surgeon’s fee
This reflects the procedure itself, the scope of treatment, and the level of surgical planning involved.
Anesthesia and facility fees
These vary based on the treatment plan and where the procedure is being performed.
Pre-op and follow-up care
Quotes may also include pre-operative appointments and the follow-up care involved in your recovery plan.
Combined procedure scope
If procedures are being combined, that changes the structure of the plan and can affect both pricing and overall recovery value.
Best Next Step
The best way to receive an accurate, personalized quote is to schedule a consultation with Dr. Sameer Kapadia. That is when the treatment plan, the scope, and the estimate can finally align.
Insurance Considerations
Usually Not Covered
Sometimes Covered
Most cosmetic surgery is not covered, but some reconstructive care may be.
Most elective cosmetic procedures are not covered by health insurance because they are considered aesthetic rather than medically necessary.
However, certain reconstructive procedures, such as breast reconstruction following mastectomy, may be partially or fully covered depending on your individual plan. We recommend contacting your insurance provider directly to understand your coverage, and our team can assist with any documentation your insurer may require.
Elective cosmetic procedures are generally considered aesthetic rather than medically necessary.
Certain reconstructive procedures may be partially or fully covered depending on your plan.
Documentation Support
While your insurer determines coverage, our team can assist with documentation that may be needed as part of the review process.
What to Expect
Financing questions usually become much simpler after consultation.
Once the treatment plan is clear, the payment conversation usually stops feeling abstract and starts feeling manageable.
Discuss the right treatment plan
The most important step is understanding what is actually appropriate for your goals before focusing too hard on numbers.
Receive a personalized quote
Once the plan is clear, the team can provide a more accurate estimate and help explain what is included.
Choose the payment path that fits
Whether that means direct payment, Cherry, PatientFi, ALPHAEON CREDIT, or current CareCredit availability, the next step can be chosen with much more confidence.
Learn More
Frequently Asked Questions
Does Kapadia Plastic Surgery offer financing options?
Yes. Kapadia Plastic Surgery offers multiple financing options, including Cherry, PatientFi, ALPHAEON CREDIT, and current CareCredit availability, along with direct payment methods such as cash, major credit cards, debit cards, and cashier’s checks.
Which financing companies do you currently work with?
The practice currently works with Cherry, PatientFi, ALPHAEON CREDIT, and CareCredit.
CareCredit is still accepted at this time, but the office expects to phase it out over time in favor of other financing options.
How do Cherry, PatientFi, and ALPHAEON CREDIT differ?
Each financing provider has its own approval criteria, payment structures, promotional offers, and credit policies. The best fit often depends on your quote, your budget, and which option you are approved for.
Can I still use CareCredit?
Yes. CareCredit is still accepted by the practice at this time, though it is no longer the only financing path and is expected to be phased out over time.
What payment methods does Kapadia Plastic Surgery accept?
- Cash
- Visa, Mastercard, and Discover
- Debit cards
- Cashier’s checks
- Cherry
- PatientFi
- ALPHAEON CREDIT
- CareCredit
What does the cost of my procedure typically include?
Depending on your procedure, the total investment may include the surgeon’s fee, anesthesia, facility fees, pre-operative appointments, and follow-up care.
How do I find out exactly what my procedure will cost?
The best way is to schedule a consultation with Dr. Sameer Kapadia. During that appointment, your goals and appropriate treatment options can be reviewed, and the team can provide a detailed, personalized estimate.
Can I finance more than one procedure at the same time?
In many cases, yes. If you are considering combining procedures, financing may be available for the combined total, subject to approval and the provider’s current terms.
What if one financing option is not approved?
That does not always mean there is no path forward. Another financing partner may still be available, or you may prefer one of the direct payment methods accepted by the practice.
Is plastic surgery covered by health insurance?
Most elective cosmetic procedures are not covered by health insurance. However, certain reconstructive procedures, such as breast reconstruction following mastectomy, may be partially or fully covered depending on your plan.
Helpful next steps
Some patients want to understand the procedure first. Others want to schedule first.
If you are still getting oriented, these pages usually help patients before they take the next step.