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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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Does health insurance cover implants after a lumpectomy?

Yes, it would cover reconstructive plastic surgery-just not "elective" plastic surgery.

Does insurance cover plastic surgery?

Generally it is not. If plastic surgery is required to do something to help aid a ailment then it might be covered. However, for cosmetic purposes, Plastic Surgery is not covered by your insurance.

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Gastric bypass is becoming a surgery that more and more insurance plans cover. I would suggest research many different insurance companies in your area. she is sure to find one that will cover the surgery.

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Is face lift surgery covered by most insurance?

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.

Does standard medical insurance cover laser eye surgery?

If the laser surgery was to correct near or far sightedness, most insurance companies do not cover it and you will have to pay for this yourself. If the laser surgery was for some other problem, like blurriness following cataract surgery, your insurer will most likely cover the cost.

Does the insurance cover the bariatric surgery costs?

Some insurance companys will cover most of it some will not . I qwould check with several companys about their own requirments on it . Companies that cover more of the surgery will cost you more , but may be worth it in the long run.

Is the cost for laser eye surgery ever covered by insurance or is it considered elective or cosmetic surgery?

Most insurance companies consider laser eye surgery elective, however, there are some that will cover it minimully.

Where can I find advice on insurance for gastric bypass ?

You should contract your insurance provider and inquire if your policy covers gastric bypass surgery. Not all insurance companies will cover the surgery because it is often considered cosmetic surgery and may not be covered.

Can you get travel insurance if you have had major surgery?

Yes, there are companies that will cover for pre-existing conditions. Angelos also offers travel insurance for those going abraod for surgery see

Is the cost of eye surgery covered by insurance?

Lasik eye surgery is covered by some insurance companies, but is considered an elective insurance so most companies will not. However, if you have vision, most of those insurance plans will cover Lasik. Some employers offer a flexible spending account which helps with payment plans.

I would like this procedure. How can we make it more affordable?

The best way to afford any type of surgery is with the proper insurance. Most insurance companies doesn't cover cosmetic surgery because of the side effects.

What does the average insurance company cover for in home care for the elderly?

Different insurance companies cover differently. You have to call your insurance company to see what they cover specially. You could change insurance companies also.

Does insurance cover disc replacement?

Unfortunately, insurance companies often consider artificial disc replacement as experimental surgery. Experimental techniques are generally not covered by insurance. Check your policy for details.

Does dental insurance cover cosmetic dental surgery?

The answer really depends on which dental insurance you have. An insurance company may cover some of the procedure's costs, but not all. There are specific dental insurance companies that you can look into that are there specifically for cosmetic dentistry. Find out more at

What is the average out of pocket cost for eye surgery?

Typically insurance companies do not cover Lasik surgery since it is elective. Generally the cost of Lasik eye surgery can range from 1000 dollars to 3500 dollars.

Is cosmetic facelift an elective surgery?

"Yes a cosmetic facelift is actually considered an elective surgery. Because of the nature of this, most health insurance companies do not cover cosmetic facelifts."

Will your insurance pay the eye surgery cost?

Many insurances do cover the cost of eye surgery. But what is comes down to is what kind of insurance that you have. Some insurances cover everything and others have stipulations as to what they cover and what they will not cover.

Does Medicaid cover gynecomastia surgery?

Medicaid is State Insurance and Medicare is federal. Therefore, it depends on what state you have Medicaid in; however, I doubt that they would. Very few insurance companies do.

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transplantation is an expensive procedure. Insurance companies and health maintenance organizations (HMOs) may not cover all costs. Many insurance companies require precertification letters of medical necessity.

Does insurance ever cover cosmetic surgery?

Cosmetic surgery isn't covered under most medical insurance policies. Usually, in order for an insurance company to cover cosmetic surgery, it needs to be considered "medically necessary". For example, if you need reconstructive surgery, your insurance company will cover it only if it was due to an accident or certain illness (like breast cancer).

Where can I find more info on bariatric surgery insurance?

There is no separate insurance for bariatric surgery, but many health insurance plans cover bariatric surgery for patients that meet their qualification requirements. If you have insurance, check with your insurer to see if they cover this procedure. If you are shopping for insurance, ask if this procedure is covered.

Do most insurance companies cover cosmetic teeth?

"Typically insurance companies do not cover cosmetic dentistry. There are occasions and circumstances in which the insurance company will cover these costs, you are going to have to speak with your insurer to be sure if they an cover the procedure you wish to have."

Do all kids insurance cover cosmetic surgery?