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Surgery and Hospitalization

Do any insurance companies cover plastic surgery?

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2014-10-19 19:54:24
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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2013-06-18 19:53:52
2013-06-18 19:53:52
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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Yes, it would cover reconstructive plastic surgery-just not "elective" plastic surgery.

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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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Plastic surgery may be covered by some kinds of insurance, but not all. General health insurance will typically not cover it, but some private plans may. Check your policy to see if it is or is not covered.


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