Financing, Insurance & Payment Policies

Board-Certified Plastic Surgeon Serving Manchester, Nashua, and Nearby Areas of New Hampshire

Basic Policy

Payment for services is due in full at the time service is provided.

Financing for Cosmetic Surgery | Robert S. Feins, MD

Cosmetic Services

If you elect to pursue cosmetic surgery, you will meet with our surgical coordinator who will have more detailed information on policies, pricing, scheduling, informed consent and forms to be completed. Cosmetic/elective surgery patients are required to be paid in full 14 days prior to your scheduled surgery date.

For Patients with Insurance

At the time of your initial visit, your treatment plan will be established. We bill most insurance carriers for you if a currently effective insurance card and the proper paperwork is provided to us. We will also bill most secondary insurance companies for you.

Please bring your insurance card and forms with you and have your portion filled out and signed to expedite the filing of your claim. Co-payments and deductibles are due at the time of service.

Since your agreement with your insurance carrier is a private one, we do not research why an insurance carrier has not paid or why it paid less than an anticipated for your care. If an insurance carrier has not paid within 45 days of billing, professional fees are due and payable in full from you.

This office accepts:

Should these services be denied by your insurance company, you will be responsible for the full payment of these charges to Dr. Feins.

Patient Financing

Plastic Surgery Financing - CareCredit | Robert Feins MDFor your convenience, we do accept financing from CareCredit.

Deductibles and Co-Pays

It is your responsibility to check your insurance for your deductible and co-pays for office visits and surgeries. If your deductible has not been met, you will be responsible for the unpaid portion.

If you have a high deductible plan, the Provider Reasonable Charge or Usual and Customary Reimbursement will be collected at the time of your appointment. If your Explanation of Benefits (EOB) indicates that we overcharged you for a service, the practice will refund the difference to you for that service.


A referral from your primary care physician may be required if you are consulting Dr. Feins for a medical problem such as biopsies, tumors, infections, or deformities. This is not a complete list.

Obtaining a medical referral is the patient's responsibility. We cannot obtain the referral for you and the referral cannot be obtained retroactively. A referral from a dentist is not adequate for medical insurance coverage. If you do not have a referral, we will be happy to see you on a cash basis, but your medical insurance company will not pay for your treatment.

Medicare Patients

We will bill Medicare for you. We will also bill secondary insurance for you. All co-payments or deductibles are due and payable at the time service is provided.

You may be asked to sign a current Medicare Advance Beneficiary Notice if Medicare is not likely to provide coverage in specific cases. You are entitled to an advance copy of the Advance Beneficiary Notice.

Medicaid Patients

All Medicaid patients must provide a current, valid certificate before being seen.

Surgery Fees

All co-pays, deductibles and payments for non-covered surgical procedures are due in full prior to surgery. Prior authorization may be required by your carrier.

Non-Covered Services

Any care not paid for by your existing insurance coverage will require payment in full at the time services are provided or upon notice of insurance claim denial.

Waiver/Non-Covered Disclosure

Services may be denied by your health insurance plan(s) for the following reasons:


  • The patient is not being treated by their primary care physician (PCP) and has not obtained a referral
  • The PCP's name is not on the insurance card or the PCP's name on the insurance card does not match the name of the provider treating the patient today
  • The patient has not contacted their insurance company to advise they have selected the provider they are seeing today and have not obtained a referral

Not Covered:

  • The service provided today is not a covered benefit under the patients insurance plan
  • The service provided today is considered not medically necessary under the patients insurance plan


  • The patient has not provided correct insurance information
  • The patient no longer has health insurance

Should these services be denied by your insurance company, you will be responsible for the full payment of these charges to Dr. Feins.