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.
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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