Thank you for choosing Plastic Surgery Services! The success of your medical treatment and care is the first priority of our staff and plastic surgeon. Hagerstown and surrounding area residents are serviced by our center. Please understand that payment of your bill is part of your treatment and care.

For your convenience, we have answered a variety of commonly-asked financial policy questions below. If you need further information about any of these policies, please ask to speak with a Billing Specialist or the Practice Manager.

If you have an HMO plan with which we are contracted, our plastic surgeon (Hagerstown) requires a referral from your primary care physician. If we have not received an authorization prior to your arrival at the office, we have a telephone available for you to call your primary care physician to obtain it. If you are unable to obtain the referral at that time, you will be rescheduled.

Medicare
Mail Handlers
Traveler's Medicare
Tricare
Carefirst Blue Shield
Hagerstown Teamsters
Maryland Carefirst
Point of Service Informed
Pennsylvania Blue Shield
Cigna

We accept payment by cash, check, VISA, Master Card, Discover, American Express and Care Credit.

Your financial responsibility depends on a variety of factors explained on the next page.

CareCredit works just like a credit card, but is exclusive for healthcare services. And, it’s better because you get no interest financing or low monthly payments every time you use it. You can use your card over and over for follow-up appointments or different procedures. This means you don’t have to put your health and beauty on hold until you save up enough money.

If Dr. Garazo recommends surgery, you will see his surgical coordinator. They will answer specific questions about the surgery scheduling process, surgical fees, discuss the paperwork and tests involved, and complete all pre-certifications/authorizations if your insurance company requires it.

Plastic surgeon, Hagerstown, Dr Garazo requires that a parent or legal guardian MUST accompany patients who are minors. This accompanying adult is responsible for payment of the account, according to the policy outlined below.

If You Have...	You Are Responsible for...	Our Staff Will...
Commercial Insurance Also known as indemnity, "regular" insurance, or "80%/20% coverage."	Payment of the patient responsibility (co-pays, deductibles, etc.) for all office visits and other charges at the time of office visit.	File an insurance claim on your behalf.
HMO & PPO plans with which we have a contract	If the services you receive are covered by the plan : All applicable co-pays and deductibles are requested at the time of the office visit. If the services you receive are not covered by the plan : Payment in full is requested at the time of the visit.	File an insurance claim on your behalf.
HMO with which we are not contracted .	Payment in full for office visits and other charges at the time of office visit.	File an insurance claim on your behalf.
Point of Service Plan or Out Of Network PPO	Payment of the patient responsibility (deductible, co-pay, non-covered services) at the time of the visit.	File an insurance claim on your behalf.
Medicare	Any services not covered by Medicare are requested at the time of the visit. If you have Regular Medicare as primary and also have secondary insurance or Medigap : No payment is necessary at the time of the visit.	File the claim on your behalf, as well as any claims to your secondary insurance.
No Insurance	Payment in full at the time of the visit.	Work with you to settle your account. Please ask to speak with our staff if you need assistance.

Dr. Henry Garazo-cosmetic surgeon, Hagerstown- invites you to schedule a consultation at Plastic Surgery Services, visit us online, or call 301-791-1800.

Plastic Surgeon Hagerstown - Financial Information