Financing FAQ

You deserve straightforward answers, especially when it comes to your investment. This page covers the most common questions about financing, so you can confidently move forward and focus on what matters most: feeling your absolute best.

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Answers You Can Count On

When considering cosmetic surgery or medspa treatments, understanding your payment options is just as important as choosing the correct procedure. At Southern Surgical Arts, we believe in complete transparency—no hidden fees, no vague answers, and no pressure. This FAQ is designed to give you clear, honest information about financing, what to expect, and how we partner with trusted providers like CareCredit and LendingUSA to make confident decisions easier.

Whether you're exploring monthly plans or preparing for your procedure, we’re here to guide you every step of the way. Consultations are offered at our four convenient locations: Calhoun, GA, Chattanooga, TN, Ooltewah, TN, and Blue Ridge, GA. Knowing your options for paying for your ideal cosmetic solutions can reduce some of the stress you may incur during this process.

How Much Do Procedures at Southern Surgical Arts Cost?

At Southern Surgical Arts, we pride ourselves on transparency to patients and those looking to work with us. When researching cosmetic procedures, you may encounter some practices whose prices seem too good to be true. Many of these places advertise only their surgeons’ fees, making it seem as though they offer significantly lower prices than their competitors. We offer price estimates for each of our surgical and non-surgical procedures. Our quoted prices include the surgeon’s fees, anesthesia, the facility fee, supplies, materials, and any follow-up visits for your selected procedure.

While the estimates listed on our website are all-inclusive, the only way to guarantee any cost is to attend a complimentary, comprehensive consultation with one of our doctors. Any increase in costs will be explained to you in a manner that can be easily understood. Our surgeons are not in the business of selling; they are well-skilled medical professionals who strive to assist you in obtaining and maintaining your aesthetic goals by keeping their patients as their “why.” Our doctors are sure to provide the utmost service and care to those interested in working with Southern Surgical Arts.

Does Southern Surgical Arts Offer Payment Plans?

While we do not offer payment plans or arrangements directly to our patients, we work with several healthcare financing companies. They may be able to offer terms and repayment plans that work best for you. Choosing one of our financing partners can help you achieve the aesthetic you deserve in a way you can afford. Visit our financing page to learn more about our partners.

How Can I Pay for My Procedure With Southern Surgical Arts?

Here at Southern Surgical Arts, we want to make your procedure affordable and attainable. We will sit down with you for a private conversation on how to make the aesthetic solution you desire financially sensible. We offer a number of payment and financing options to make the procedure of your choice within reach.

When it comes to paying for your procedure, we accept cash, most major credit cards, and personal checks. Medical financing is also an option to pay for your procedure. With quick response times, you may have a financing decision almost immediately following your application submission.

Financing Your Procedure

Southern Surgical Arts works with several medical financing companies that may be willing to accommodate your credit needs. The following are financing companies that utilize your credit profile information to determine applicable financing approvals, rates, and terms. Southern Surgical Arts may assist you in presenting you with the available financing options. However, we do not make any financing decisions for any of these companies. The details presented below are for informational purposes only and should not be interpreted as financial advice. If you have questions about any of the financing options offered by Southern Surgical Arts, please visit our financing page or contact us today!

CareCredit

CareCredit offers a credit card for your healthcare needs that are not covered by insurance. Different from a loan, CareCredit is a reusable credit line. Once you pay your balance, taking advantage of the flexible terms, you may use it wherever CareCredit is accepted.

Alphaeon Credit

Alphaeon Credit, like CareCredit, is a healthcare credit card that is subject to credit approval. Alphaeon works with medical professionals specifically in dentistry, dermatology, ophthalmology, and plastic surgery.

Financing Frequently Asked Questions

Insurance typically does not reimburse or cover the costs of cosmetic procedures. However, our highly trained and experienced team at Southern Surgical Arts can help you navigate and choose the financing option that best suits your needs.

Can I use health insurance to pay for my cosmetic procedure at Southern Surgical Arts?

Can I finance non-surgical treatments?

Of course! Utilizing our financing partners can get you closer to the aesthetic results you are seeking! Whether a major cosmetic surgery or a non-invasive laser & light skin treatment, we want your procedure to be attainable. If you have questions about paying for your preferred treatment, contact Southern Surgical Arts today to schedule a consultation.

Am I able to finance only a part of my cosmetic surgery?

Financing a part of your procedure may be dependent on the finance company with whom you decide to partner. You may be able to pay a portion of your fees out-of-pocket and the rest can be covered by your healthcare credit. The staff at Southern Surgical Arts will be able to direct you to one of our financing partners to have your specific questions answered.

When is my payment due?

Payment for non-surgical procedures are due at the time of service. Payment for surgical procedures are due at the time of scheduling.

Can I finance my cosmetic surgery procedure with bad credit?

Southern Surgical Arts does not make any credit decisions on behalf of any of our financing partners. If you are concerned that your credit profile may potentially hinder your ability to qualify for healthcare financing options, you may reach out to one of our partners and discuss your status with them. This way, you can make an informed decision when it comes to taking care of your financial well-being.

How do I apply for financing for plastic surgery with Southern Surgical Arts?

Applying for financing to cover a part or the entire cost of your procedure is a fairly easy process. Visit our financing page to learn about each of the companies with which we have partnered to help you make your aesthetic aspirations a reality. You can click on any of the direct links on the financing page to be taken to that partner’s website, where you can complete a quick application. The application process can take as little as 2 minutes, and you may receive an instant decision! If you have questions about financing your surgery or any procedure offered by Southern Surgical Arts, you can contact our staff at (800) 950-0492 to learn more.

Which of your healthcare financing partners offer the best rates and terms?

We understand that being mindful about interest rates and regular payments is very important. Our partner companies may be able to offer terms that work best for you. Their flexible payment options may help you achieve the look you desire! Depending on their requirements, you may qualify for competitive rates, such as 0% introductory offers. Contact one of our offices today to learn more about financing.

Do I have to have a credit check to apply for plastic surgery financing?

Many of our financing partners conduct credit checks on submitted applications. If you are looking for financing options to assist you on your aesthetic journey, contact us today to schedule a private consultation. The procedure you are seeking is not far from your reach. A conversation with our knowledgeable staff and our financing partners could bring the treatment of your choice firmly within your grasp.

Does Southern Surgical Arts offer discounts for multiple procedures?

From time to time, Southern Surgical Arts offers specials to our patients to say “thank you” for your support. Visit our specials page to see what we are offering at this time. Our specials change frequently, so be sure to check back often!

What payment options do you accept?

When it comes to paying for your cosmetic treatment, we offer several convenient payment options. Southern Surgical Arts accepts cash, personal checks, most major credit cards, and special financing. Contact us today if you have further questions about financing your medical procedure. Our staff will be ready and willing to assist you on this journey!