Will My Health Insurance Cover Cosmetic Surgery?
Posted on April 30, 2020 By agentinsure
If you’re in need of health insurance, you should speak to an agent who can explain what is and isn’t covered and the deductibles and any other questions you may have. Chastain Agency LLC in Gainesville and Cleveland, GA, has knowledgeable and friendly agents waiting for your queries.
Most people automatically believe (because this is what we have been told all our adult lives) that health insurance does not cover cosmetic surgery. That statement is in fact incorrect. While health insurance does not cover all plastic surgery procedures, it does cover some or at least part of the procedure.
Some cosmetic surgeries are classified as medically necessary, these are the cosmetic surgeries that are paid for by your health insurance. Let’s look at a few of the cosmetic surgeries that are paid for, because, after all, we all know how expensive plastic surgery can be.
- Any type of reconstructive surgery, including a nose job, new cheeks, lip work, face life, and so on, as long as the surgery is to fix a disfigurement caused by an accident of some kind.
- Breast reduction or reconstruction if the breasts cause back pain, making a reduction medically necessary. Breast reconstruction is only necessary in cases of breast cancer.
- Eyelids are a common plastic surgery that is deemed medically necessary an eye lift also known as blepharoplasty is a droopy eyelid. It is a medically necessary surgery because it can interfere with the person’s vision.
To sum up health insurance and plastic surgery, if a persons’ body cannot function normally or if there are possible life-threatening complications due to a condition that would be normally considered plastic surgery the doctor/surgeon can deem the procedure medically necessary.
If you need health insurance or have more questions about plastic surgery and what procedures are medically necessary, call Chastain Agency LLC in Gainesville and Cleveland, GA, today.