Financing Hair Restoration Surgery
100% financing is available for all those who qualify. We offer 2 payment plan types, available through Citi Health Card:
No Interest Payment Plan
- No interest for 3 months if the balance is paid in full within No Interest period.
- There are no prepayment penalties.
- Minimum monthly payments of 2.5% of balance or $10, whichever is greater.
- Finance charges accrue from date of purchase if balance is not paid in full by end of 3 months.
Budget Payment Plan
- Equal monthly payments for 48 months.
- No prepayment penalties.
- Low monthly payments.
Applications can be processed by our staff in office, by phone, or online.
To process an online application go to [www.healthcard.citicards.com] and click the "Apply Now" tab under the Consumer box. Enter all requested information. Read and agree to the Terms and Conditions. It is recommended to print a copy to file for future reference. Click "Submit Application" to continue. The browser window will advise you that the application is in progress.
If approved, the account number and credit limit will be displayed. This can be printed to bring to IHSG. A photo ID will be required for each transaction. If additional information is required, a pending number and report code will be displayed along with a number to call to complete the application process. If declined, another form of payment will be required. A letter with the reasons for this decision will be sent to the address given on the application within 7-10 days.
To process an application by phone call 1.866.843.2330 and enter the information required for each prompt. Make sure you have a pen or pencil and paper handy. Listen to all legal disclosures and enter "Yes" in order to submit the application. If approved, you will be advised of the approval and credit limit. You will also be directed to call IHSG to schedule your procedure.
Cosmetic Medical Procedures Gross Receipts Tax
Chapter 53 of the Laws of 2004 was passed by the Legislature and enacted on June 29, 2004. Beginning September 1, 2004, it imposes a 6% gross receipts tax on the purchase of certain “cosmetic medical procedures.” Cosmetic Medical Procedures are medical procedures performed in order to improve the human subject’s appearance without significantly serving to prevent or treat illness or disease or to promote proper functioning of the body. The law provides that such procedures include, for example, cosmetic surgery, hair transplants, cosmetic injections, cosmetic soft tissue fillers, dermabrasion and chemical peels, laser hair removal, laser skin resurfacing, laser treatment of leg veins, sclerotherapy, and cosmetic dentistry. They do not include reconstructive surgery or dentistry to correct or minimize abnormal structures caused by congenital defects, developmental abnormalities, trauma, infection, tumors or disease, including procedures performed in order to improve function or give the person a more normal appearance. The tax also applies to amounts charged for goods or facility occupancies, such as hospitalization or clinic stays, required for or directly associated with the cosmetic medical procedure. If you do not provide services, products or occupancies related to “cosmetic medical procedures”, you are not subject to the provisions of this law.
Charges for medical procedures, tangible personal property, or occupancies that will be covered by medical insurance will be presumed not primarily “cosmetic” in nature and will therefore not be subject to the cosmetic medical procedures gross receipts tax. Charges for procedures, tangible personal property, and occupancies that are deductible as “medical expenses” for purposes of federal income tax will also generally be exempt from the cosmetic medical procedures gross receipts tax. Cosmetic medical procedures that are not deemed to be deductible medical expenses for federal income tax purposes will be subject to this gross receipts tax. For example, charges for teeth whitening will be taxable, while charges for breast reconstruction or for vision correction by laser treatment will not be subject to the gross receipts tax.
The provider of services, goods or occupancies required for, or directly associated with the cosmetic medical procedure will collect the tax from the person on whom the cosmetic medical procedure is performed. If more than one service provider bills for services directly related to the same cosmetic medical procedure, for example, a surgeon and an anesthesiologist, each service provider must collect the 6% gross receipts tax on the portion of the gross receipts billed for that provider’s own services. A provider of goods, services, or occupancies who fails to charge and collect and remit the tax as required may be held personally liable for the tax, except for “bad debts” within the meaning of the Internal Revenue Code. The tax will not apply to services that are only indirectly related to the cosmetic medical procedure. For example, fees charged for evaluation and referral by a primary care physician or for consultation or treatment by a psychiatrist will not be subject to the tax.
AUGUST: Schedule a Consult
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