Financing Information


At CosmeticGYN Center, we want to assist you in obtaining the procedure you've always wanted.

Our office will work with you to streamline insurance processing (when available) and account handling to make your procedure as affordable as possible.

For your convenience, we also offer several financing options. We can assist you in applying for financing through a variety of options. Our financing plans offer easy terms, 0%- or low-interest rates, and other flexible payment options to best fit any budget.



Financing is available through Care Credit with low-interest rates and individualized payment plans. Approval can be gained at your office visit. CareCredit has no up-front costs, no fees, and no pre-payment penalties.

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All Patients

Insurance card(s) and proof of identification must be presented when you arrive at our office for your appointment so that we can verify your insurance eligibility. If your address is different than the one on your ID or DL, then you'll have to provide a second form of ID with your address. Patients who have only one or neither of these documents can choose to reschedule or keep their appointment. If the appointment is kept, you will be a self-pay patient and payment will need to be made in full for services rendered. Patients who opt to be billed as self-pay and present their insurance later, we will not bill the insurance carrier for services already rendered and will not reimburse any money to the patient.

Payment for all applicable co-payment, deductible, or co-insurance amounts is expected at the time of service.

It is your responsibility to notify CosmeticGyn Center/Otoniel Huertas MD PA of any changes to your insurance policy, mailing address or telephone numbers.

Insurance Affiliation

Your insurance is a contract between you, your employer, and the insurance company. We are not part of that contract. Our staff will do its very best to verify your insurance coverage and benefits prior to your appointment and afterward file a claim directly to your plan. If the services are not covered by your health care plan or we cannot verify coverage, we will expect payment for services prior to or at the time of your appointment.

CosmeticGyn Center/Otoniel Huertas MD PA is a participant in many managed care programs that require members to pay a co-payment for an office visit. The co-payment is expected at the time you're greeted for your visit. As these contracts are frequently reviewed and changed, we will ask to see your insurance ID card at each visit. Our office verifies your benefits at each appointment, so please bring the most current insurance information each time you come in. If you cannot provide current verifiable coverage, payment in full will be required prior to services rendered. If you cannot make full payment at that time, we will reschedule your visit for another day. Financing options are not available for office co-payments or regular office charges.

Most insurance policies include a deductible or coinsurance for major procedures or surgeries which must be honored prior to your procedure. “Non-covered” means that a service will not be paid through your insurance contract. If non-covered services are provided, payment for these services will be expected at the time of or prior to the service being rendered. We would be happy to assist you with the appeal process with your insurance. We will not under any circumstances falsify or change a diagnosis or symptom in order to convince an insurer to pay for care that is not covered.

After we file the claim, Explanations of Benefits (EOBs) will be sent to our office and to you and will reflect how your provider processed the claim, how they applied your deductible, and how much your coinsurance would be. If you overpaid, you can expect a prompt reimbursement from our office, but if you underpaid, we will expect that payment promptly as well.

Please note that because of the large number of plans with which we must work and the fact that each plan is different, it's your responsibility to determine whether you need to obtain a referral from your primary care physician. It is also your responsibility to determine whether Dr. Huertas is in- or out-of-network with your insurance plan. Additionally, it's your responsibility to know your general benefits for co-pays, deductibles, and coinsurance.