Pay Over Time

Cherry Payment Plans

Cherry gives approved patients a way to divide the cost of treatment into smaller monthly payments. The application takes just a few minutes and uses a soft credit check, so applying does not affect your credit score.

There is no hard credit inquiry. You can apply before your appointment or complete the application at Scout when you come in for treatment. This gives you time to review your options before committing to a plan.

Payment options available through Scout may allow you to divide one larger treatment cost into three or six monthly payments. Scout’s short-term, no-interest options don’t add interest or fees to the original treatment cost. Available plans are based on approval and the terms shown in your Cherry application, so review the full agreement before accepting an offer.

Use Your Benefits

HSA and FSA Payments

Scout Aesthetics accepts Health Savings Account and Flexible Spending Account payments for services and products that qualify as medical expenses under the patient’s plan.

HSA and FSA funds can be used for care connected to the diagnosis, treatment, or prevention of a medical condition. Treatments performed for cosmetic reasons alone are usually excluded. The same service may qualify for one patient and not another based on the reason it was recommended, the documentation available, and the rules of the patient’s plan.

Your HSA or FSA administrator makes the final decision about eligibility. Scout can accept the payment method and provide an itemized receipt, but we cannot guarantee that a charge will be approved or reimbursed by your plan.

What May Qualify

HSA/FSA-Eligible Services at Scout

The following Scout services may qualify when they’re part of a treatment plan for a diagnosed or qualifying medical concern.

Acne Bootcamp

Acne Bootcamp services may qualify when they’re used to evaluate or treat acne. Products recommended as part of an acne treatment plan may also qualify if they meet the rules of your account.

Laser Treatments

Laser treatment may qualify when it addresses a medical skin concern rather than appearance alone. This could include care for acne-related concerns, certain forms of redness, or another documented skin condition.

Laser hair removal is excluded from Scout’s HSA/FSA categories.

Chemical Peels and VI Peel

Chemical peels and VI Peel treatments may qualify when a provider recommends them as part of care for acne or another qualifying skin condition. A peel performed for general brightening or cosmetic maintenance may not qualify.

Microneedling

Microneedling may qualify when it is used to treat acne scarring or another documented skin concern. Microneedling performed for general rejuvenation may fall outside your plan’s eligible expenses.

Neurotoxins for Medical Concerns

Neurotoxin treatment may qualify when it’s used for a medical concern such as:

Hyperhidrosis or excessive sweating
A qualifying masseter-related condition
Headache relief when medically appropriate

Botox, Dysport, Daxxify, or another neurotoxin used for cosmetic fine lines and wrinkles isn’t usually considered an eligible medical expense.

Consultations

A consultation may qualify when its purpose is to evaluate a medical concern or create a medically indicated treatment plan. A consultation focused on cosmetic enhancement alone may not qualify.

Subcision

Subcision may qualify when it’s used to treat acne scars or another qualifying form of scarring.

Retail Products

Some skincare and treatment-support products may qualify when their main purpose is treating or preventing a medical condition. This may include certain acne products, post-procedure care, or sun-protection products required as part of a medical treatment plan.

General skincare, cosmetics, and products purchased for appearance or routine maintenance may not qualify. Check with your plan administrator before using HSA or FSA funds for a retail purchase.

Keep Your Records

Receipts and Supporting Documentation

Scout can provide a detailed receipt showing the service or product purchased. Your HSA or FSA administrator may also ask for a letter of medical necessity or other documentation from a healthcare provider.

Packages and Bundled Care

Using HSA or FSA Funds for Packages

A package may qualify when each included service is being used for an eligible medical purpose. If a package contains both qualifying and cosmetic services, Scout may need to separate the charges so HSA or FSA funds are used for the eligible portion. Some plans have additional rules for packages purchased before all services are provided. Check with your plan administrator before using HSA or FSA funds to prepay for a series of treatments.

Bank Your Bucks

Scout Aesthetics Memberships

A Scout membership offers another way to plan for ongoing treatments and skincare. Every dollar of your membership payment stays in your Scout account as credit. If you do not use the full amount that month, you do not lose it. The unused credit rolls into the next month, giving you the freedom to save toward the treatments or products you want.

Memberships also include savings on select services and retail products, along with complimentary treatments and birthday perks. Benefits depend on the membership level you choose. Memberships are a budgeting and savings option rather than a financing plan. HSA and FSA eligibility is based on the specific treatment or product being purchased, not membership status.

Explore Scout Aesthetics Memberships

Payment Options Frequently Asked Questions

Does applying for Cherry affect my credit score?

No. Cherry uses a soft credit check during the application process. Applying doesn’t affect your credit score, and there’s no hard credit inquiry.

Can I apply for Cherry before my appointment?

Yes. You can complete the application before your visit and review your available payment plans ahead of time. You can also apply at Scout on the day of your service.

Does Cherry charge interest?

Scout’s available short-term options may allow approved patients to divide the original treatment cost into three or six monthly payments without added interest or fees. Review the terms shown in your application, since available offers depend on approval.

Can I use HSA or FSA funds for cosmetic treatments?

Treatments performed for appearance alone are usually not eligible. A service may qualify when it’s used to diagnose, treat, or prevent a medical condition and meets your plan’s rules.

Are all Scout skincare products HSA/FSA eligible?

No product should be assumed eligible based on where it is sold. Products used as part of care for acne or another qualifying medical condition may be eligible. General skincare and cosmetic products may not be.

Can Scout tell me if my treatment is covered?

Scout can explain how a service is being used and provide an itemized receipt. Your HSA or FSA administrator makes the final eligibility decision.

What happens if I do not use my membership credit that month?

Your unused account credit rolls into the next month. This “bank your bucks” structure lets you save your balance toward future Scout treatments or products.

Your Guide to Radiant Beauty

Your Scout Aesthetics Consultation

At Scout Aesthetics, consultations are the key to unlocking your skin's full potential. Our consultations aren't just about getting a quick fix but creating comprehensive plans for short- and long-term results. Whether you're looking for skincare advice, injectables, or other aesthetic treatments, we're here to guide you through the process. During our consultations, we'll discuss your goals, address any concerns you may have, and develop a plan tailored specifically to you.

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Payment & Finance Options Scout Aesthetics

Flexible Payment and Financing Options in Louisville, KY