Financial Policy

As patients approach surgery, they frequently ask about potential insurance benefits and various payment options. We hope the following information will be helpful.


If you are seeking treatment for a cosmetic procedure or something that is considered elective or self-pay, we will collect a $100 consultation fee at the time of your initial appointment. This fee covers the cost of the time and advice that you receive from the surgeon and is non-refundable. At the end of your consultation, a member of our billing team will discuss surgical fees and payment options available to you.

If you decide to book surgery with us, a non-refundable deposit of $1,000 is required to reserve a surgery date. We understand that a situation may arise that could force you to postpone or cancel your surgery. However, Sullivan Surgery & Spa does incur costs associated with scheduling your surgery; therefore the $1,000 deposit is non-refundable once surgery is booked.

Final surgical payment will be due at your scheduled pre-operative visit or no later than two weeks prior to your scheduled surgery date. Your surgery will be cancelled if payment is not received by the due date. Surgeries cancelled within two weeks of your surgical date are not eligible for a refund of surgical fees.

Finance Companies We Work With

General information

There will be a $50 returned check fee for any bounced checks.

Skin Care Products are non-refundable unless you have an allergic reaction to the product. Our doctors will need to document the reaction with photographs in order to return the product back to the manufacture, with photographs.

All Memberships, gift certificates and treatments performed at Sullivan Surgery & Spa are considered non-refundable.

A copy of our Financial Policy is provided to all patients as part of their new patient paperwork. Additional copies are available upon request.

Insurance Policy

We are more than happy to help you submit the necessary information to your insurance company to receive benefits to which you may be entitled. The benefits paid by insurance companies for plastic surgery vary greatly from carrier to carrier and plan to plan. Therefore, we make every effort to determine in advance if insurance coverage exists, and what amount of “out-of-pocket” expenses you may be responsible for paying. After your consultation with Dr. Kelly Sullivan, a member of our billing team will discuss the surgical fees and payment options available for your procedures.

Dr. Sullivan offers her professional services to patients regardless of their insurance company or plan. Insurance is typically not involved for purely cosmetic procedures since they are not covered under most plans. If your insurance coverage is limited to in-network providers, it will pay only for those physicians who are under contract to your insurance company, and this may exclude Dr. Sullivan.  This does not mean you cannot choose our doctor to perform your procedures – only that you will be responsible for payment.

If you have out-of-network benefits through your insurance plan, we will be happy to help you submit the necessary forms so you can be reimbursed for the medical costs. The amount you can expect to receive varies greatly among carriers and plans and will depend on your specific policy.

To schedule a consultation, to learn more about our cosmetic surgery procedures, medical spa treatments, or to ask more specific questions about our office policies, use our contact form or call us today at 410-571-1280.

**All Medical Spa Treatments & Products are Non-Refundable**