Rules and Restrictions

Please read all rules and restrictions before applying
for a surgery.

1. Professional fee

Prepaid Surgery, Inc. charges a professional fee which is 10% of the prepaid price of the surgery. The professional fee is added to the prepaid price when calculating the applicant’s monthly payment schedule.

2. Processing fee

After the applicant selects the procedure(s) he or she desires and chooses a comfortable down payment and monthly payment schedule, the applicant must fill out an account application and pay a non refundable $40 fee to cover the cost of processing.

Upon approval, the applicant will receive a complete package including an automatic withdrawal agreement, payment schedule, and a contract of service. These must be signed and returned to Prepaid Surgery with a non refundable $35 automatic withdrawal setup fee.

3. Payment Instructions

Upon receiving the signed documents, we will open a Prepaid Surgery account and immediately withdraw from the applicant’s bank account an amount equal to the down payment and the 1st monthly payment. In the event the client, in consultation with his or her plastic surgeon, decides to change the surgical procedure(s), a revised payment schedule addendum reflecting the changes will be mailed to the client for signature. All subsequent automatic withdrawal payments will be in the same amount as the originally agreed monthly payment. However, the number of payments may change depending on the cost of the new procedure.

4. Change of surgeon and/or geographic transfer

In the event that the client requests a change of surgeon and/or a change of geographic location that requires the change of surgeon, Prepaid Surgery will provide the client with a certificate for a free consultation with the new surgeon. All fees and credit earned by the client will remain the same and the schedule of payment(s) will not change. Prepaid Surgery will honor any agreement within the contract of service.

5. Change of procedures

Other than changes of procedure suggested by the client’s chosen plastic surgeon, as set forth in the “payment instructions,” all other client requests initiated after the consultation will be considered as “change of procedures” under this section. If the client decides to change the procedure originally agreed upon, the schedule of payments will remain the same. However, the Prepaid Surgery active account for the client will be changed from “procedure based” account to an “open” account. The amount of payments made prior to the date of change will be the same but the credit earned may be changed and a new schedule of payment will be forwarded to the client after the account change for his/her signature approval.

6. Missed Payment(s) and insufficient funds

If there are insufficient funds in the client’s checking account to cover the monthly payment at the time of automatic withdrawal, Prepaid Surgery reserves the right to freeze the client’s Prepaid Surgery account without notice pursuant to the rules applicable to “freezing of an account” set forth below. All bank fees or charges that arise as the result of insufficient funds will be deducted from the total principle payments in the client’s account and are the responsibility of the client. In the event that the client chooses to keep the account active, the client must resume their monthly payment obligation. The total payment schedule may be extended by the same number of months for which the patient has missed payments. In cases where the extension exceeds the 18-month price guarantee period, Prepaid Surgery reserves the right to change the client’s procedure cost and a new schedule of payment will reflect this change.

7. Freezing of an account

A Prepaid Surgery account may be “frozen” (that is, placed on inactive status) upon the request of the client or when the client has missed payments due to insufficient funds. No penalty will be assessed the client except any bank penalties or fees. These fees will be deducted from the total principle payments in the client’s account. In the event that the client chooses to keep the account active, the client must resume his or her monthly payment obligation. The total payment schedule may be extended by the same number of months for which the patient has missed payments. In cases where the extension exceeds the 18-month price guarantee period, Prepaid Surgery reserves the right to change the client’s procedure cost and a new schedule of payment will reflect this change.

8. Termination of prepaid surgery account

The client may terminate the account at any time with or without cause. Upon termination of the account, the client relinquishes all rights under the “Contract of Services” and Prepaid Surgery will return all PRINCIPLE (total amounts less service fees) contributed to the account including the initial DOWN PAYMENT, less a 10% administrative fee. “PRINCIPLE,” as used here, means the sum of down payment and monthly payments less the calculated 12% service fee as shown in the “Payment Schedule Agreement”.

9. Contract of service and schedule of payment

The Contract of Service will be executed only upon completion of schedule of payments by the client. Prepaid Surgery will guarantee the cost of your chosen procedure as set forth in the schedule of payment for 18 months, after which time a new schedule of payment will reflect any change in the cost of the surgery.

10. Buy out option

The client may choose to prepay the amounts set forth in the payment schedule and have his or her chosen procedure sooner than originally contemplated. If the client selects this “buy-out option” he or she must pay the remaining principal. And the client may exercise this option any time without penalty. If the client decides to pay immediately, and does not finance the surgery, the total cost of the surgery is the Prepaid Price plus a 10% Professional Fee. An additional 3% charge will be assessed if the client pays the full amount of the surgery by credit card.

11. Liability

Prepaid Plastic Surgery is not engaged in the practice of medicine and is not a health care provider. Prepaid Surgery is engaged solely in the business of providing payment and /or financing options for persons considering self pay for health and beauty services, aesthetic, cosmetic, or plastic surgery. Prepaid Surgery receives no compensation from health care providers for referrals and is neither a provider nor a broker of health care services. Prepaid Surgery disclaims all express and implied warranties including warranties of merchantability and fitness for a particular purpose. Prepaid Surgery makes no representations or guarantees as to the services of the physician(s) referred to a prospective client. Our liability is limited to the amount of any payments made under this Agreement. Prepaid Surgery is not responsible for the medical decisions made by its participating Plastic Surgeon(s) or the outcome from the surgery performed. This Agreement is not a contract of insurance and creates no relationship between you and us other than that of debtor and creditor. You agree that there is no fiduciary relationship between you and Prepaid Surgery, its employees, officers and agents.

12. Transferring of account to third party

A holder of a Prepaid Surgery account may choose to transfer the amount in his or her account to a third party. In this event, the “Change of Procedures” applies. The third party beneficiary must submit a new account application and non-refundable $40, along with an automatic withdrawal form and $35 non-refundable fee.

13. Indemnification

The undersigned Client acknowledges that Prepaid Surgery, Inc., its subsidiaries, affiliates, agents, officers and employees are not engaged in the practice of medicine and that Prepaid Surgery does not offer medical advice or provide medical services. In consideration of participation in the Prepaid Surgery program, the Client releases and holds Prepaid Surgery harmless from any claims or causes of action which may arise from the actions or omissions of any physician or other medical professional in connection with any medical advice, procedure or surgery.