When it comes to plastic surgery and insurance coverage, it is important to note that for most procedures, you will need to come to terms with out-of-pocket expenses. Some plastic surgery procedures are covered, but nearly all cosmetic procedures are not.
If your insurance provider considers your plastic surgery to be reconstructive, then they will cover it. For instance, it is required by law for insurance carriers to cover breast reconstruction after mastectomy. If you are a woman suffering from lower back pain due to large breasts, then a breast reduction may also be covered. Furthermore, having a procedure performed to repair a cosmetic defect which significantly affects function of the body part in question may also be covered. For example, a patient who is interested in blepharoplasty because they have severely hooded eyelids that partially obstructs his or her vision.
Many providers offer partial coverage for any aspect of the procedure that is not considered cosmetic. An insurance company may pay to correct a patient’s deviated septum within a rhinoplasty procedure; a deviated septum is medically necessary because it affects a patient’s comfort and ability to breathe.
Therefore, if the procedure you want is purely aesthetic and will not improve an existing medical condition, your insurance will not cover it. But it doesn’t hurt to ask! Health plans and individual circumstances vary widely.
Fortunately, we offer financing options for qualified patients. Feel free to call my office if you have any questions. We look forward to speaking with you.