Financing
Flexible Payment Plans in Lutz, FL Through Cherry
Pay for wellness services over time with a Cherry payment plan you can apply for in minutes.
Payment Plans
Cherry Payment Plans at Advanced Optimal Healthcare
A third-party option for spreading the cost of wellness care
Advanced Optimal Healthcare in Lutz, FL offers flexible payment plans through Cherry, a third-party financing company that lets you apply in minutes and, if approved, pay for wellness services over time instead of all at once. Cherry states that applying involves a soft credit check that does not impact your credit score, and that approved applicants choose the plan that suits their budget. The plan is an agreement between you and Cherry; the practice does not set the terms. Memberships are billed monthly and are not financed.
Medically reviewed by Dr. Anilda Ortiz, DNP, APRN, FNP-C. Last updated: October 2026.
How It Works
How Cherry Payment Plans Work
Four steps from application to your first treatment
Apply in Minutes
Complete Cherry's short application below with a soft credit check, per Cherry.
See Your Decision
Cherry shows its decision on screen with the amount and plan options open to you.
Choose a Plan
Pick the plan length that fits your budget; terms are shown by Cherry at approval.
Pay Over Time
Your treatment is scheduled as usual, and you pay Cherry on the plan you chose.
Eligible Services
What You Can Finance
Cherry plans cover services on our wellness track, where a package or program is often paid up front: the medical weight loss program, Emsculpt Neo, the Emsella Chair, hormone therapy packages and IV therapy packages.
Programs and Packages
The 12-week medical weight loss program, hormone therapy plans and IV packages or subscriptions.
Session Series
A course of Emsculpt Neo or Emsella Chair sessions, scheduled as a series.
Not Financed
Primary care and wellness memberships, which are billed monthly.
Apply Now
Apply for Cherry Financing
The application opens here and takes a few minutes
Apply before or after your consultation, then call (813) 330-6224 once Cherry shows your approval and we will schedule your treatment.
Financing Questions
Frequently Asked Questions About Cherry Financing
Credit checks, memberships, HSA use and denials
Does applying for Cherry affect my credit score?
Cherry states that applying involves a soft credit check, which does not impact your credit score, and that a confirmed plan is typically reported to the credit bureaus after 30 days. The practice does not see your credit information.
What can I finance at Advanced Optimal Healthcare?
Wellness services and programs: the medical weight loss program, Emsculpt Neo, the Emsella Chair, hormone therapy packages and IV therapy packages.
Can I put my membership on a Cherry plan?
No. Primary care and wellness memberships are billed monthly and canceled with 30-day notice, so they are not financed. Primary care memberships may be HSA eligible; check with your HSA administrator.
What if I am not approved?
You can still schedule care. Cherry states that denials cannot be appealed or reversed, but you may apply again once the denial period has expired.
Can I use my HSA for a Cherry plan?
Cherry states it does not accept direct payments from Health Savings Accounts or Flexible Spending Accounts; payments come from a bank-issued debit or credit card, and prepaid cards are not accepted.
Get Started
Review Costs and Payment Options in Lutz, FL
Know the full amount before you apply
Price the treatment first. Schedule a complimentary consultation at our Lutz office or call (813) 330-6224, and Dr. Ortiz will review the sessions and the total before you decide whether a Cherry plan fits. We welcome patients from Lutz, Land O' Lakes and Odessa.
Ready to Start?
Schedule Your Consultation
- Phone
- (813) 330-6224
- Hours
- Mon & Fri 9am - 2pmTue & Thu 9am - 6pmWed 9am - 5pm