Can insurance cover breast implants?

Answer 1

Generally, no. Cosmetic surgery is not usually covered under most insurance plans. (If we're talking about reconstruction after breast cancer treatment that's different.)

What's more, any treatment of complications may not be covered by your health insurance. Typically, insurance companies will not cover breast augmentation or any reoperations and additional doctor visits following augmentation. Your insurance company might even increase your premiums or drop your coverage.

Before surgery, you may wish to get answers to the following questions in writing from your insurance company

• Does my policy cover the costs of the implant surgery, the implant, the anesthesia, and other related hospital costs? To what extent?

• Does it cover removal and replacement of the implants if this becomes necessary? To what extent?

• Does it cover the cost of detecting or treating a complication as a result of either the implant or the reconstruction? To what extent?

• Will there be an increase in my insurance premium? To what extent?

• Will future coverage be affected? To what extent?