Dr. Paul Howard Plastic Surgery | 205-871-3361 | 2010 Patton Chapel Road North, Suite 101 Hoover, AL 35216



Dr. Paul Howard Plastic Surgeon

Howard Plastic Surgery

Financial Policies

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

Our financial coordinators are readily available to meet with you personally to provide the specific information you desire. They specialize in this area and will use their expertise to help you obtain the maximum benefits from your policy.


Payment for cosmetic surgery is due at the time of your preoperative visit (at least 2 weeks prior to your scheduled surgery day). Dr. Howard accepts all major credit cards, money orders, cashier's checks, personal checks, PayPal, and cash.

Insurance Coverage

No insurance company covers cosmetic plastic surgery.

The benefits paid by insurance companies for reconstructive 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. We ascertain the projected insurance payment and the required co-payment. We to this because we believe you need to be as informed as possible before surgery. We know you realize that you are ultimately responsible for the full payment of your account, but we have found that our knowledge and experience can be an important factor in assisting you to collect your maximum benefits.

Insurance does not cover the expenses of hospitalization and surgical fees when surgery is done exclusively for cosmetic reasons. Insurance only covers the operation if it is performed in an attempt to improve or restore function. If the patient is having a procedure that is covered by insurance, but also desires to have a cosmetic procedure at the same time, insurance will only cover the portion of expenses including the facility fee and anesthesia. The expenses (facility, anesthesia, etc.) for the cosmetic portion are divided separate from the expenses covered by the insurance company.

Dr. Howard is only in-network with Blue Cross Blue Shield Insurance.

Cancellation Policy

Throughout the field of Cosmetic Surgery, pre-payment is customary. A patient seeking cosmetic surgery is concerned with an attempted improvement in appearance. Since this does not constitute an emergency, the patient should have sufficient time to plan and arrange their finances in advance. It is our policy that surgical fees be paid 14 days prior to the date of surgery.

We understand that a situation may arise that could force you to postpone your surgery. Please understand that such changes affect not only your surgeon, but other patients as well. Dr. Howard’s time, as well as that of the operating room staff, is a precious commodity, and we request your courtesy and concern.

Payment is required 2 weeks prior to your scheduled surgery date. Failure to make complete payment will cause for cancellation of your surgery. We do not accept post-dated checks nor will we hold them. If you are planning to finance your surgery, it is your responsibility to get the financing processed and finalized in time for payment to be received 2 weeks prior to your surgery date.

If you should cancel surgery (and not reschedule) after payment has been made, you will be entitled to a 50% refund of the fees paid to Dr. Howard within 90 days.

If you paid by check, we will refund (50% of fees you paid to Dr. Howard) you in the form of a check within 90 days. Credit card payments will be refunded back (50% of fees you paid to Dr. Howard) to the credit card in which was originally charged within 90 days.

Surgery Scheduling Policy

Due to Dr. Howard’s demanding surgery schedule, surgeries are scheduled on a first-come-first-served basis. A $500 deposit is required to hold a specific surgery date.

Dr. Paul Howard reserves the right to refuse plastic surgery services if he deems the patient not physically or mentally healthy for such services.


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Dr. Paul Howard Birmingham Plastic Surgery | 2010 Patton Chapel Road North Suite 101 Birmingham, Alabama 35216

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