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Financing The Cost of Plastic Surgery FAQ

Do you offer in-house financing?

No, we do not offer in-house financing; however, we do have several companies that can provide you with the various financing options you may need.

Which financing companies do you use?

Even if your credit is not perfect, it is important to us that you have financing options available to you, including PatientFi and Alphaeon Credit.

When can I apply for a loan?

You can apply anytime. Most companies that provide financing have loans that are valid for 90 days so that you can use the money anytime during that period.

Do I have to finance the entire amount?

You absolutely do not have to finance the entire amount of your procedure. You can pay any portion that you want – and then simply finance the rest.

Is your office paid directly, or will I receive the check?

Liebertz Plastic Surgery at Yarrow Bay will receive the check directly from the financing company.

Will I make payments to the financing company or to Liebertz Plastic Surgery at Yarrow Bay?

You will make all payments directly to the financing company.

Do I have to have a consultation with Dr. Liebertz to find out if I qualify for plastic surgery financing?

No, you do not. With most companies, you can be pre-approved for a dollar amount. That way, you know exactly how much you can afford to spend on your procedure. You can do this even before you speak with Dr. Liebertz. Best of all, the loan will not be processed until you have visited our office and decided which surgery you will have and when. However, if you see our doctors before arranging financing, you will be able to find out exactly the loan amount you will need to finance your procedure.

Contact Us for Financing Options

If you are interested in facelifts, rhinoplasty, or other procedures, our provider and staff will work with established financing companies to help you cover your surgical costs. We have helped many patients finance their procedures. Contact us today to discuss your surgery and financing options.

We accept the following types of payment:




Alphaeon Credit

American Express


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Surprise Billing/Balance Billing Protection Act

Conveniently located to serve Seattle, Kirkland, Bellevue, and Redmond

Know your rights under the Balance Billing Protection Act

Beginning January 1, 2020, Washington state law protects you from ‘surprise billing’ or ‘balance billing’ if you receive emergency care or are treated at an in-network hospital or outpatient surgical facility

What is ‘surprise billing’ or ‘balance billing’ and when does it happen? 

Under your health plan, you’re responsible for certain cost-sharing amounts. This includes copayments, coinsurance, and deductibles. You may have additional costs or be responsible for the entire bill if you see a provider or go to a facility that is not in your plan’s provider network.

Some providers and facilities have not signed a contract with your insurer. They are called ‘out-of-network’ providers or facilities. They can bill you the difference between what your insurer pays and the amount the provider or facility bills. This is called ‘surprise billing’ or ‘balance billing.’

Insurers are required to tell you, via their websites or on request, which providers, hospitals, and facilities are in their networks. Hospitals, surgical facilities, and providers must tell you which provider networks they participate in on their website or on request.

When you CAN NOT be balance billed: 

Emergency Services 

The most you can be billed for emergency services is your plan’s in-network cost-sharing amount even if you receive services at an out-of-network hospital in Washington, Oregon, or Idaho or from an out-of-network provider that works at the hospital. The provider and facility cannot balance bill you for emergency services.

Certain services at an In-Network Hospital or Outpatient Surgical Facility 

When you receive surgery, anesthesia, pathology, radiology, laboratory, or hospitalist services from an out-of-network provider while you are at an in-network hospital or outpatient surgical facility, the most you can be billed is your in-network cost-sharing amount. These providers cannot balance bill you.

In situations when balance billing is not allowed, the following protections also apply: 

  • Your insurer will pay out-of-network providers and facilities directly. You are only responsible for paying your in-network cost-sharing.
  • Your insurer must:
    1. Base your cost-sharing responsibility on what it would pay an in-network provider or facility in your area and show that amount in your explanation of benefits.
    Count any amount you pay for emergency services or certain out-of-network services (described above) toward your deductible and out-of-pocket limit.
    Your provider, hospital, or facility must refund any amount you overpay within 30 business days.
  • A provider, hospital, or outpatient surgical facility cannot ask you to limit or give up these rights.

If you receive services from an out-of-network provider, hospital, or facility in any OTHER situation, you may still be balance billed, or you may be responsible for the entire bill. This law does not apply to all health plans. If you get your health insurance from your employer, the law might not protect you. Be sure to check your plan documents or contact your insurer for more information.

If you believe you’ve been wrongly billed, file a complaint with the Washington State Office of the Insurance Commissioner at or call 1-800-562-6900.

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