Financing Information

The consultations should provide you with a great deal of information about your particular concerns even if surgery is not recommended. The patient must realize that even though a surgeon may recommend against their request for surgery, to arrive at this conclusion requires years of study and training and strong ethics. If surgery is recommended, a second consultation is usually necessary to assure proper communication and provide further assessment of the patient’s concerns and desires. This assures a stronger doctor-patient rapport prior to the procedure itself.

Fees for all cosmetic surgery are payable fourteen days in advance of the procedure. This policy assures us that the patient is not undergoing surgery which he or she cannot afford. Several payment options are available and may be discussed at the consultation. Once you have scheduled surgery, we ask that you make every effort to avoid canceling or rescheduling. This allows the best patient care to be delivered.

If reconstructive surgery is performed to restore form or function, as well as to improve appearance, insurance may defray some or all of the cost. We routinely assist you in filing your claim, and provide copies of necessary documentation at your insurance company’s request. It is important to note that the insurance company is responsible to you, not to the doctor’s office. Patients, in turn, are responsible for any charges incurred.

It is not possible, ethical or legal to fill out insurance forms so that it appears the work was done for non-cosmetic purposes if, in fact, it wasn’t.

Insurance payments are frequently based upon average fees charged under average circumstances. If your case proves more or less complex, the fee charged will vary accordingly.

Because of the ever-changing medical insurance climate, the patient must find out from his or her insurance company if their policy requires a second opinion, pre-certification for the procedure and/or an overnight hospital stay.

One must remember that all expenses — including separate fees for operating room, anesthesia, preoperative laboratory tests, and prescriptions — are the responsibility of the patient.

Finally, the patient is the only party who can work out situations with his or her insurance company. You will be expected to pay the portion of the total bill that the insurance company does not pay.

CareCredit for cosmetic procedures

Apply now or to learn more about CareCredit, please contact us.

CareCredit works just like a credit card, but is exclusive for healthcare services. You provide us with your CareCredit card number to pay for your surgery and your finance period begins. You make payments to CareCredit then pay off your surgery fees.

  • Apply online and start using CareCredit immediately.
  • Subject to credit approval. We offer 6 months interest free financing.
  • Receive your monthly CareCredit statements in the mail or online.
  • Make monthly payments, being sure to pay off your balance in full by the end of the promotional period.
  • Use your card again and again as long as you have available credit and your account is in good standing.

We accept American Express, Discover, Visa, and MasterCard.



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Two Convenient New Jersey Locations
Facial Plastic Surgery Association
American Academy of Cosmetic Surgery Logo | Foster MD | Toms River, NJ | Manasquan, NJ
American Academy of Otolaryngology-Head and Neck Surgery Association | Foster MD | Toms River, NJ | Manasquan, NJ
Nj Top Docs Award logo | Foster MD | Toms River, NJ | Manasquan, NJ
10 Best Client Satisfaction | American Institue of Plastic Surgeons Association logo | Foster MD | Toms River, NJ | Manasquan, NJ
Castle Connolly Top Doctors Badge Logo | Foster MD | Toms River, NJ | Manasquan, NJ