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Cosmetic Surgery and InsuranceTypically, Cosmetic surgery and all other "elective" surgery is NOT covered under Medical Insurance policies unless the procedure is of a medical necessity. Corrective Cosmetic SurgeryIn general, for an insurance company to cover a plastic surgery, the surgery needs to be deemed medically necessary. Reconstructive surgery is considered medically necessary by many insurance companies if you are receiving reconstructive surgery after an accident or an additional medically necessary surgery (for example, breast reconstruction after a mastectomy).

Nasal surgery performed with a diagnosis of deviated septum are considered medically necessary and normally some cosmetic repair is performed at the same time.

Breast reduction can be medically necessary in certain circumstances.

What is typically not medically necessary is breast implants (no previous mastectomy), face lifts, Liposuction, abdominoplasty to remove excess skin around the abdomen, etc.

Plan provisions vary widely. Even one insurance carrier can have 20 different plans available, each with variances regarding covered/non covered services. It is always best to contact your insurance company directly.

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โˆ™ 2013-06-18 19:53:52
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โˆ™ 2014-10-19 19:54:24

Cosmetic surgery is normally covered when it is necessary as an adjunct to medically necessary surgery or other procedures that are covered. For example, if, after an auto collision, one's face needed reconstructive surgery, cosmetic surgery to complete the reconstruction would normally be covered.

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Q: Do any insurance companies cover plastic surgery?
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Yes, it would cover reconstructive plastic surgery-just not "elective" plastic surgery.


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No. Insurance companies do not cover "elective procedures". Elective procedures are those that are done for the patient's wants, not his or her needs/health. Face lifts, plastic surgery, preventative medicine, and diets are almost never covered by medical insurance.


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