We are not in any insurance network. No insurance plan covers cosmetic care, whichever doctor provides it, and staying independent lets Dr. Nawas give each visit the time it needs and recommend treatments on medical grounds alone. For most visits, paying is simple: one clear price, confirmed before treatment and paid at your visit, with no bill arriving later. If you have Medicare, we file your claim; the Medicare card below explains what you pay.
Your visit
Each card says what happens with insurance and what you pay at your visit.
Botox and fillers, Sculptra, Kybella, lasers, chemical peels, PRP, laser hair removal
Plans such as Blue Cross Blue Shield, Aetna, UnitedHealthcare and Cigna. Melasma, rosacea, skin checks, alopecia, biopsies, excisions.
The same medical visits, for patients with any Medicare plan, including Medicare Advantage plans from any insurer. What happens depends on which plan you have.
Each procedure page shows a price estimate, and Dr. Nawas or our staff will confirm your cost before treatment. For any medical visit, if a biopsy is sent to the laboratory, the lab bills separately for its reading. If you are paying for your care yourself, federal law entitles you to a written Good Faith Estimate of what it will cost.
Step by step
Each procedure page shows a price estimate. To confirm the cost of your treatment, contact us and we will provide a treatment estimate. Prefer to pay over time? Apply with Cherry in about a minute.
Pay by card, by HSA or FSA card for medical care or with your Cherry plan. For self-pay visits that is the entire bill. If a Medicare Advantage plan covers your visit, you pay only your plan's share and we bill the plan for the rest.
Had a medical visit? Ask for your superbill at checkout or through the patient portal (practice code VI49); if you have Medicare, we file the claim for you. Need a prescription? It goes to your pharmacy with a GoodRx coupon attached.
Superbills
If you have private insurance rather than Medicare, this is how your medical visit gets reimbursed. A superbill is an itemized receipt written in the codes insurers use, and we provide one for every medical and surgical visit. Submit it in your plan's app or member website under "Submit a claim", ideally within 30 days, and your plan reimburses you its share of the allowed amount once your out-of-network deductible is met. Most plans answer within two to six weeks.
Most of our patients have Blue Cross Blue Shield of Texas or Aetna, and both accept claims online. We cannot guarantee what a plan will pay; superbills are provided as a courtesy.
Superbill requests go through the patient portal, practice code VI49.
Submit a claim online
Prescriptions
Dr. Nawas sends your prescription to any pharmacy you choose, with a GoodRx coupon code attached. Show the coupon from the free GoodRx app at pickup and you pay the coupon price instead of using insurance: for the medications we prescribe most, typically around $35, often less than a copay, and with no waiting for an insurance approval.
| Medication | Used for | Coupon |
|---|---|---|
| Tretinoin 0.025% cream, 45 g | Acne, fine lines, sun damage and texture | See price |
| Adapalene 0.3% gel, 45 g | Acne and post-acne marks | See price |
| Azelaic acid 15% gel, 50 g | Rosacea and redness | See price |
| Azelaic acid 20% cream, 30 g | Melasma, dark spots and acne | See price |
| Minoxidil 5% solution, 60 mL | Hair thinning | See price |
| Ketoconazole 2% cream, 15 g | Fungal rashes and seborrheic dermatitis | See price |
| Hydrocortisone 2.5% ointment, 20 g | Eczema, irritation and itch | See price |
| Apraclonidine 0.5% eye drops, 5 mL | A temporarily heavy eyelid after neurotoxin treatment | See price |
Your prescription names the exact strength and size. Prices change daily; the coupon shows the current price at each pharmacy. H-E-B, CVS, Walgreens, Kroger, Randalls, Walmart and most independent pharmacies in Houston accept GoodRx.
Pay over time
Cherry is the financing service we partner with, for any treatment at any price. You apply in about a minute with a soft credit check that does not affect your credit score, and most people get an instant decision. Choose a plan, Cherry pays us, and you repay Cherry in fixed monthly payments.
Qualifying plans at ZN Dermatology carry 0% APR for three months. Longer plans, up to several years, are available with interest. There is no deferred interest, no penalty for paying early, and the total is shown before you accept.
Example
Fraxel FTX, full face: $1,800
3-month plan, 0% APR
$600per month, three payments
Interest paid
$0no deferred interest
Financing is provided by Cherry, subject to approval and its terms. Promotional 0% APR applies to qualifying plans; longer terms carry interest disclosed before you accept. ZN Dermatology is not a lender.
Good to know
Yes, for medical visits, biopsies, surgery and prescriptions. Cosmetic treatments are not eligible expenses. Your superbill doubles as the documentation your account administrator may ask for.
Call the number on your card and ask why. The usual reasons are a deductible that is not yet met, a plan with no out-of-network benefits or a question about a code. For a coding question, message us through the patient portal (practice code VI49) and we will send a corrected superbill.
Yes. We are out of network with Medicare Advantage plans. With a PPO plan, most plans cover out-of-network care: we file the claim and you pay only your plan's share at the visit. With an HMO plan, out-of-network care is usually not covered unless the plan approves it first, so you would pay our published price. Call the number on your card before you book.
Yes, instead of Part D for that prescription, not together with it. Ask the pharmacist which price is lower. A coupon purchase does not count toward your Part D deductible.
No. Each service has one published price and you pay only for what you have. To spread the cost over time, use Cherry.
Yes. Contact us and we will send you a treatment estimate before you come in. If you are paying for your care yourself, federal law also entitles you to a written Good Faith Estimate; the full notice is on our Good Faith Estimate page.
Because it is the real price. We do not carry the overhead of billing departments and insurer contracts, so each service has one published price whether you have commercial insurance and a superbill to submit, or neither. Medicare is the exception: Medicare sets the rate for Original Medicare, and a Medicare Advantage plan that covers your visit sets your share.
Still unsure what your visit will cost? Call us or message Dr. Nawas through the patient portal, and we will tell you before you book.
Patient portal practice code VI49
