We will update this page. Any changes to these Terms of Service will take effect immediately from the date of publication.
These Terms of Service were last updated on July 14, 2026.
Financial Policy & Patient Agreement
By scheduling services, receiving treatment, purchasing products, enrolling in memberships, or completing an online transaction, you acknowledge and agree to this Financial Policy & Patient Agreement.
This policy applies to Neaman Plastic Surgery, Medi Spa, Wellness Center, Hand Therapy, and Surgery Center services.
All policies are subject to applicable federal and state laws, insurance requirements, and any separate written agreements.
1. Payment Terms
Payment requirements vary by service and will be disclosed before scheduling, purchase, or treatment.
We accept:
- Third-party financing, PatientFi, CareCredit and Cherry
A valid card may be required on file to secure appointments, authorize fees, or satisfy outstanding balances.
2. Card on File Authorization
By providing a card on file, you authorize Neaman Plastic Surgery & Medi Spa to charge your card for fees and balances, including:
- Missed appointments, also known as no-shows
- Outstanding patient-responsibility balances
- Non-surgical service-related charges
- Approved recurring membership payments
For insured services, card-on-file charges are limited to patient-responsibility amounts permitted by law and payer requirements, including co-pays, co-insurance, deductibles, non-covered services, and balances after claim processing.
Medical clinic visits billed to insurance are not required to maintain a card on file unless otherwise specified for self-pay services.
3. Cancellation & No-Show Policy
We require at least two (2) business days’ notice to cancel or reschedule an appointment without incurring a fee.
For purposes of this policy, “business days” exclude weekends and office-observed holidays. This policy helps us reserve dedicated appointment time and accommodate other patients awaiting care.
Patients who repeatedly miss appointments or fail to provide appropriate notice may be subject to:
- Limited scheduling privileges
- Dismissal from the practice or discontinuation of services, which will occur in accordance with applicable laws, regulations, payer requirements, and appropriate continuity-of-care standards.
3.1 General Policy (Non-Insured / Cash-Pay Services)
- Late cancellations or no-show appointments will result in a $200 fee charged to the card on file. Some exceptions may apply.
- Patients arriving more than 10 minutes late may be required to reschedule. If rescheduling is necessary due to late arrival, the visit may be treated as a missed appointment. If we are able to accommodate you later on the same day, the late cancellation or no-show appointment fee will be waived.
- Failure to cancel or reschedule a Wellness consultation with at least two (2) business days’ notice, or failure to attend the scheduled consultation, will result in forfeiture of the pre-paid consultation fee.
3.2 Insurance-Based Appointments
- Two or more late cancellations or no-show appointments may result in scheduling restrictions or discontinuation of services at the Practice’s discretion.
- When required, the patient will receive written notice, emergency or urgent-care instructions, and appropriate time to transition from care.
3.3 Direct Primary Care (DPC)
We kindly ask that all appointment changes or cancellations be made with at least two (2) business days’ notice.
- Late cancellation or no-show appointments are documented as part of your attendance record.
- Continued late cancellation or no-show appointments may result in further review and may impact your ability to continue services within the membership program.
- Failure to cancel or reschedule a surgical consultation with at least two (2) business days’ notice, or failure to attend the scheduled consultation, will result in forfeiture of the $150 pre-paid consultation fee.
3.4 Surgical Services
A. Self-Pay Surgical Procedures
Surgical Consultation Late Cancellation or No-Show Policy
- Surgical consultations require prepayment of a $150 consultation fee.
- Patients must provide a minimum of two (2) business days’ notice to cancel or reschedule a surgical consultation.
- Missed consultations or cancellations without required notice may result in forfeiture of prepaid consultation fees.
Cosmetic Surgical Procedure Cancellation Terms
- A 20% deposit is required to schedule surgery and is refundable only if cancellation occurs at least 30 days prior to the procedure date. Cancellations made within 30 days, or after the pre-operative appointment, may result in forfeiture of deposits or surgeon fees.
- The patient acknowledges that cancellations after the pre-operative appointment create scheduling and operational losses that are difficult to precisely calculate. Therefore, the parties agree that retention of the deposit/surgeon fee portion constitutes a reasonable estimate of damages and is not intended as a penalty
- Any changes made to surgical procedures after the pre-operative appointment will result in a $250.00 fee per change.
- Patients are allowed one complimentary date change if notice is provided before the pre-operative appointment.
- Payment of the remaining surgical balance is due in full at the time of the pre-operative visit, which occurs three (3) weeks prior to surgery.
- For security and verification purposes, we prefer major credit card payments to be completed in person whenever feasible.
B. Insurance-Based Surgical Procedures
For procedures billed to insurance, patients are responsible for applicable patient-responsibility amounts, including deductibles, co-pays, and co-insurance, as determined by their insurance plan.
As a courtesy, we will provide an estimate of patient responsibility prior to surgery:
- A portion of the estimated patient responsibility (typically 20%) may be collected at the time of scheduling.
- The remaining estimated balance is due no later than three (3) weeks prior to the scheduled surgery date.
All estimates are based on information available at the time and are not a guarantee of coverage or payment. Final balances owed are determined once the insurance claim has been processed. Any overpayment will be refunded or applied to the patient’s account.
Cancellation and Rescheduling
We understand that unexpected circumstances arise. If you need to cancel or reschedule your procedure, we ask that you provide notice as soon as possible.
Patients must provide at least 48 business hours’ notice prior to the scheduled procedure date and time to cancel or reschedule without penalty.
Late Cancellation Fee
Procedures canceled or rescheduled with less than forty-eight (48) business hours’ notice may be subject to a $250 administrative fee. This fee helps offset scheduling, staffing, facility coordination, insurance authorization, and other administrative resources reserved specifically for the procedure.
No-Show Policy
Patients who fail to appear for a scheduled procedure without prior notice may be charged a $250 administrative fee and may be required to submit a new scheduling deposit before future procedures can be scheduled.
The patient acknowledges that surgical scheduling requires the allocation of provider, staff, facility, and administrative resources that may not reasonably be reassigned on short notice. The administrative fee represents a reasonable estimate of costs incurred by the Practice and is not intended as a penalty.
4. Packages, Prepaid Treatments & Promotions
Full payment is required at the time of purchase for all packages, prepaid treatments, and promotional offers, unless otherwise specified.
4.1 General Terms
- Packages and prepaid treatments are:
- Non-refundable, except where required by law or approved under a documented exception
- Non-transferable between patients
- Subject to the specific terms and conditions provided at the time of purchase
4.2 Redemption & Expiration
- We encourage patients to complete their package within 12 months of purchase to support optimal results and continuity of care.
- Promotional pricing, bundled discounts, and package-specific benefits are valid through the stated period and expire thereafter, unless otherwise required by law or approved under a documented exception.
- If a package is not fully redeemed within the stated timeframe, any unused portion will be converted to a gift card on account, equal to the remaining monetary value, after services rendered have been applied at standard retail pricing.
4.3 Promotional Offers
Promotional purchases:
- Cannot be combined with other promotions unless explicitly stated
- Are subject to stated expiration or redemption terms
- May not be applied to prior purchases
5. Refund Policy
Except where required by law or approved under a documented exception, purchases are generally non-refundable.
Refund or credit requests related to medical contraindications, provider-directed discontinuation, or other exceptional circumstances will be reviewed on a case-by-case basis.
Results vary by patient. Payment is for the treatment, service, provider time, products, and care provided, not for a guaranteed outcome.
Refunds are not provided for, including but not limited to:
- Services already performed
- All retail products, unless defective
- Opened or used post-operative surgical garments, including compression garments, due to hygiene and safety reasons
- Prepaid treatments or packages
6. Gift Cards
Gift cards:
- Are non-refundable and may not be redeemed for cash except where required by law, including applicable small-balance redemption rights.
- May not be replaced if lost, stolen, damaged, or used without authorization
- Are valid for services and products only and may be subject to additional restrictions based on service type, provider, or promotion.
7. Rewards Program
- Points expire 12 months after issuance
- Points are non-transferable and may not be redeemed for cash.
- Points are only applicable to Neaman Medi Spa.
- Reward points may be subject to program rules, eligibility requirements, exclusions, or changes.
8. Memberships & Recurring Payments
Memberships are offered as a recurring service and renew automatically at the selected billing interval unless cancelled in accordance with membership terms.
By enrolling in a membership, you authorize recurring charges to your designated payment method. Initial and recurring payment details, including any upfront requirements, will be provided at the time of enrollment.
8.1 Payment Terms
- Membership fees are due in advance of each billing cycle.
- Members are responsible for maintaining a valid and up-to-date payment method on file.
8.2. Age-Based Pricing
Membership fees are based on age and corresponding pricing tiers.
- Monthly membership rates will automatically adjust if a member moves into a new age bracket.
- Adjustments will take effect either the month following the member’s birthday or at the beginning of the calendar year, depending on the membership structure in place at that time.
- Updated pricing will be reflected in the next billing cycle.
8.3 Failed or Declined Payments
If a payment fails:
- We will make reasonable efforts to notify you
- Membership benefits will be suspended until the account is brought current.
- Memberships will be canceled if payment remains unresolved
- Re-enrollment may require a new agreement and applicable upfront payment requirements, including any initial or quarterly payment structure in place at that time.
8.4 Cancellations
- Cancellation requests must follow membership agreement terms and notice requirements.
- Memberships may be cancelled at any time by contacting our office. Cancellation will be effective on the next scheduled billing date. No refunds will be issued for prior charges or partially used membership periods.
- Initial enrollment fees, prepaid quarterly membership payments, and prior membership charges are non-refundable, including in situations where membership benefits are partially used or unused.
- The initial quarterly payment secures enrollment, administrative processing, reserved membership access, provider availability, program resources, and associated membership benefits made available upon activation. For these reasons, no prorated refunds or credits will be issued for any unused portion of a prepaid membership period, except where required by law.
8.5 General Terms
- Membership benefits, pricing, and terms are subject to change with appropriate notice.
- Specific program details (including benefits, eligibility, and program structure) will be outlined at the time of enrollment.
- In the event of any discrepancy between this policy and the specific terms of the membership agreement, pricing and terms will reflect the most current program structure.
9. Insurance Responsibility
For services involving insurance, patients are responsible for all applicable patient-responsibility amounts, including:
- Any balances permitted by law and payer requirements
As a courtesy, we may assist in verifying insurance benefits and provide an estimate of expected costs based on the information available to us. However, this is not a guarantee of coverage or payment. Patients are encouraged to confirm coverage, referrals, authorizations, and network participation directly with their insurance carrier.
If an insurance claim is denied or processed as non-covered, the patient is responsible for the remaining balance.
For Medicare beneficiaries, an Advance Beneficiary Notice (ABN) or other required notice may be presented when a service is expected to be non-covered or not deemed medically necessary.
When Medicare is secondary to another insurance plan, coverage is determined after the primary insurance processes the claim and may not cover all remaining balances. Patients may be asked to sign additional documentation acknowledging financial responsibility in these situations.
Amounts due will be determined in accordance with applicable laws, payer requirements, and any signed notices. Services provided out-of-network may result in higher out-of-pocket expenses.
10. Pricing & Quotes
All pricing is subject to change without notice
Quotes are valid for the following periods unless otherwise specified in writing:
- Medi Spa services: 30 days
- Wellness services: 30 days
- Cosmetic surgical procedures: 6 months
A quote is an estimate based on the information available at the time it is provided. Final charges may vary based on treatment plan changes, provider recommendations, medical needs, insurance processing, third-party fees, or additional services requested or required.
11. Chargebacks & Payment Disputes
We ask patients to contact our office first so we can promptly investigate and resolve billing concerns.
Initiating a payment dispute does not cancel the patient’s responsibility for valid charges.
If a chargeback is determined to be improper or unsupported, the patient remains responsible for the original balance and any chargeback fees, administrative costs, collection costs, or legal fees.
12. Collections
Outstanding balances are expected to be paid promptly. Unresolved accounts may be referred to collections and may incur additional collection costs, interest, or legal fees. Patients are encouraged to contact our office regarding billing questions or payment arrangements prior to collections referral.
If a balance remains unpaid, the following actions may occur:
- Interest may be applied up to the maximum amount allowed by law
- Non-urgent services may be suspended until the account is resolved
- The account may be referred to an outside collections agency
Prior to referral to collections, we will make reasonable efforts to contact the patient and provide an opportunity to resolve the balance, including discussing payment arrangements when appropriate. Failure to respond to communication attempts or establish a reasonable payment plan may result in referral to collections.
Returned checks, failed ACH payments, declined recurring payments, or other unsuccessful payment methods may result in additional fees.
13. Minors, Dependents & Financial Responsibility
- For minors or dependent patients, the parent, guardian, or financially responsible party who authorizes treatment, services, or purchases accepts financial responsibility.
- The financially responsible party agrees to ensure that balances, fees, payment authorizations, and policy requirements are satisfied.
14. Agreement & Acknowledgement
By signing below, I have read and understand this Financial Policy & Patient Agreement and agree to the terms outlined above.
