A:Answer I bought my fridge at the store and worked with a sales consultant, made things much easier. But if that is not possible, yes the panels are separate if you want something special, I got them in white and yes they are an add-on and be careful, the lower panels are a different size (smaller) than the upper panels. They are approximately $100 each. I am not sure what the standard panels are that the fridge comes with, I suspect they are stainless steel but I did not want that.