Calf reduction surgery New York. What is the average price? Will most doctors allow you to pay over time? (Photo)

I am interested in calf reduction surgery in New York City or on Long Island. I have lost 50 lbs. I am currently 135 lbs and 5'7. I understand there is significant muscle however there is also a large layer of fat I would like to get rid of. I initially thought it was loose skin from loosing weight however when I went for a consultation I was told I did not have any loose skin. What is the average price? Will most doctors allow you to pay over time? How long until I can workout after surgery?