Cost & Financing

Does My Insurance Cover All Types of Breast Procedures?

Not all breast procedures are eligible for insurance coverage. Some, like most breast augmentation procedures, are considered cosmetic procedures to enhance your appearance. But if your procedure addresses physical symptoms or restores your breast following treatment for a medical condition, they’re usually deemed medically necessary. The breast procedures often covered by conventional health insurance include:

• Breast reconstructions
• Breast reductions
• Some breast lifts

The plastic surgeons at New York Breast Surgery Center perform both medically necessary and cosmetic breast procedures. David Shokrian, MD, Mohamed Soliman Ahmed Elfar, MD, MS, FACS, and their team help you build the clinical documentation required for insured surgeries.

If you’re confused about which category your procedure falls under, you can get straight answers during a consultation, giving you clarity and a cost breakdown. With offices in Great Neck, Long Island and Midtown Manhattan, New York Breast Surgery Center and its team provide all the financial options available for your desired breast procedure, such as the:

• Cost of breast augmentation, usually a cash-only cosmetic procedure
• Cost of breast lifts, typically a cosmetic procedure, but it may be covered by insurance
• Cost and insurance coverage of breast reduction, most often an insurance-covered procedure
• Cost of fat transfer breast augmentation, usually a cash-only cosmetic procedure, even though no implants are needed
• Cost of breast revision, which may be covered by insurance depending on the reasons for it
• Cost and insurance coverage of breast reconstruction, usually covered by insurance

How Does Out-of-Network Insurance Work at New York Breast Surgery Center?

“We’re not connected with any insurance provider,” says Dr. Shokrian, “but that doesn’t mean you’re on your own financially. Many conventional insurance plans include out-of-network benefits, which neutralize at least a portion of your cost.”

According to the Kaiser Family Foundation, over 80 percent of people with employer-sponsored health insurance have some benefits in their plan. Some portion of your procedure may be covered even in a practice that’s not associated with your carrier. The support team verifies which benefits apply to you and help you submit documentation for them. You have to know how much your procedure costs before you agree to it.

How Much Does a Cosmetic Breast Surgery Cost in New York City?

A breast augmentation procedure in NYC costs anywhere between $18,000 and $25,000. The American Society of Plastic Surgeons reported that breast augmentation is the most commonly performed breast procedure in the U.S.

This estimated cost represents only the surgeon’s fee. Several line items increase the total amount you owe, including the facility fee, operating room time and anesthesia costs. Additional expenses include the surgical bra, medication and follow-up visits. Your final cost also depends on how complex your surgery is.

Why Does the Cost of Breast Surgery Vary by Patient?

Since each woman’s breast surgery may require a different approach and different variables to reach different goals, it makes sense that the cost for each may not be the same. All breast procedures aren’t the same. Some take more time, and cost more, because they’re more complex. For example, a capsular contracture removal demands more intricate surgery than a breast augmentation, increasing the time in the surgical suite and costing more.

Additionally, you may have to pay more for the services of the most reputable plastic surgeons in NYC, but that’s a cost you shouldn’t want to avoid. Hiring a less experienced or less talented surgeon may lead to inferior results. Other factors that influence the final price you pay include:

• Implant type. Silicone implants are more expensive than saline-filled ones.
• Surgical technique. Your surgeon needs a different approach if your implant is subpectoral, subglandular or dual-plane.
• Operating room. Facility fees are billed based on time spent there. The more complex the procedure, the more time it takes to complete.
• Anesthesia. General anesthesia has a different fee structure than IV sedation; thus, it’s billed separately. You also need to pay for an anesthesiologist’s time, but their skills are life-saving.

Does New York Breast Surgery Center Offer Financing Options for Breast Procedures?

Dr. Shokrian answers, “New York Breast Surgery Center doesn’t offer in-house financing plans, but our team helps you explore CareCredit, a nationally recognized healthcare credit card. We work with you to pay for the procedure you want, so you don’t have to postpone your treatment due to financial hurdles. Let us help.”

Your consultation with Dr. Elfar or Dr. Shokrian in Manhattan or Long Island offers you clarity on the type of procedure that meets your aesthetic goals and the cost of that procedure. The team at New York Breast Surgery Center answers every financial question because they want you to have all the information you need to make a sensible decision.

Who Helps Me Navigate Insurance Coverage and Payment Options?

The support team at New York Breast Surgery Center assist you with the financial side of any medical decision. Whether your procedure is insurance-based or cash-based, you’re guided with a sure hand. If your procedure qualifies for insurance coverage, the team checks with your carrier for out-of-network benefits. If your procedure is cash-only, the team provides a complete itemized breakdown and outlines the financing options. CareCredit offers two financing structures:

1. Deferred interest financing. CareCredit gives you six to 24 months to pay off your balance without interest. Otherwise, the interest accrues in the background starting on the day you use the card.
2. Reduced interest financing. This option gives you a fixed monthly payment at a reduced interest rate, spread over 24 to 60 months. You pay a specific amount every month until you pay off the balance.

Plastic surgery can be overwhelming. Just as your surgeon supplies guidance in every aspect of the procedure, from the pre-op to-do list to the post-op incision and scarring guide, the support team help you deal with every aspect of the cost of your procedure. Schedule your consultation today in New York City for to learn about your options.

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