Is cosmetic surgery covered by insurance? This is a question that many people have and have asked Dr. Brian Evans MD, when planning to undergo a cosmetic surgery procedure. It is a fact that plastic surgery is expensive. The cost is a big factor that influences your decision whether to undergo cosmetic surgery or not.
Financing Options for Cosmetic Surgery
Well, before committing to any procedure, most plastic surgeons will ask you to pay a deposit. Plus, there are additional fees that you have to incur in the facility. The good news is that your insurance may help cover part of your procedure cost. There are many financing companies that offer easy and convenient loans to pay for medical expenses associated with plastic surgery. Insurance providers assist patients seeking cosmetic surgery with financing for their desired procedure. With the help of these financing companies, you can pay for your surgery costs in easy installments over time.
There are certain procedures that the insurance companies refuse to cover. As far as eligibility for insurance is concerned, plastic surgery is categorized into two: cosmetic and reconstructive. Certain cosmetic surgery procedures are undergone for reasons other than aesthetic ones. Cosmetic procedures that are performed to improve function rather than aesthetic aspects are eligible for an insurance cover. For e.g. when a person chooses to have blepharoplasty or eyelid surgery for cosmetic enhancement, then the procedure will not get insurance coverage. At the same time, the same procedure performed to correct drooping eyelids that are causing vision problems is eligible for insurance coverage. Breast augmentation, when performed to meet aesthetic goals is not covered by insurance.
Cosmetic Surgery and Insurance
Some of the cosmetic surgery procedures covered by insurance:
Abdominoplasty: If performed for an obese person to improve or eliminate health problems.
Breast surgery: It is eligible to get financial coverage for breast surgery procedures, if performed to reduce large breasts that cause back pain, shoulder pain, and related conditions.
Ear surgery: If performed to correct ears deformed by disease or injury, or those deformed at birth.
Blepharoplasty or Eyelid surgery: Is covered, if performed to correct drooping eyelids, which cause vision problems.
Nasal surgery: If performed to correct nasal deformities and nasal birth defects.
Find out whether the cosmetic surgery procedures you have opted for are eligible for insurance coverage. It is important to have a talk with both your surgeon and your insurance provider. They can explain to you whether your desired procedure is covered by insurance or not. Coverage for specific procedures and coverage levels might vary. You can receive full or partial coverage for your plan. Choose a reliable insurance company to consolidate and manage your healthcare expenses and make your body contouring dreams a reality.
Your insurance company may cover a portion of the cost of cosmetic surgery if your plastic surgeon reports to them that the surgery is necessary to modify or for some other type of medical need. If you must cover the entire surgery price yourself, our staff at Dr. Brian Evans Plastic Surgery will offer financing options to make affordable cosmetic surgery available to you. For more questions, visit Dr. Brian Evans Plastic Surgery Clinic and get a free consultation at our facility near Canoga Park.