Certified by the American Board of Plastic Surgery
Have you been wishing you could have liposuction, breast augmentation, maybe a tummy tuck—but didn't think you could afford it? Think again.
Parungao Plastic Surgery offers several affordable options to help you cover the cost of looking your best. Here are some guidelines to help you. We will also be happy to talk with you about structuring a payment plan to fit your budget.
Financing plans offer easy monthly payments
Major credit cards accepted
If you prefer, you may choose to pay for your surgery with your VISA, MasterCard, American Express or Discover card.
We participate in many insurance plans
Parungao Plastic Surgery belongs to most PPOs and HMOs through Rush Health Associates. Be sure to check your insurance directory and ask our staff to double-check to see if we participate in your plan. We do accept Medicare assignment.
Any balance due after the insurance company has paid is your responsibility. Co-payments will be due at the time of service. Please note that most elective plastic surgery is not covered by health insurance.
Frequently asked questions about
financing and insurance
Q. Does insurance cover plastic surgery?
A. Insurance will generally cover reconstructive plastic surgery to repair facial or body wounds or injuries, or procedures that are medically necessary. Our staff can help you determine what benefits your plan will pay. We can also assist you in submitting the documentation needed for pre-approval for insurance benefits.
Q. What determines whether plastic surgery is cosmetic or reconstructive?
A. Plastic surgery is considered reconstructive—and thus may be covered by health insurance—when it corrects abnormal body structures. Examples include panniculectomy and breast reduction and in some cases, labiaplasty. If you have developed back pain, chronic skin rashes or infections due to heavy, pendulous breasts, for example, many insurance plans will cover the cost of a breast reduction.
On the other hand, if the surgery you're considering is strictly cosmetic—that is, performed on normal body structures to approve their appearance—it is not typically covered by insurance. If breast augmentation is performed on normal, healthy breasts, for example, it is considered cosmetic surgery. But if a woman has breast augmentation following a mastectomy, the surgery would be considered reconstructive.
Q. I've lost 75 pounds after having lap-band surgery and now I have a lot of excess loose skin. Will insurance cover plastic surgery to correct that?
A. Some insurance plans will cover a panniculectomy to remove the apron of loose abdominal skin following bariatric surgery. However, insurance typically will not cover arm lifts or plastic surgery procedures to remove excess skin from other parts of the body after massive weight loss. Our staff can help you determine what benefits your insurance will pay and submit the necessary paperwork to your insurance company.
Subscribe to our monthly e-zine and receive a copy of Dr. Parungao's Special Report, “5 Questions to Ask Yourself When Considering Plastic Surgery.”