Nowadays, cosmetic enhancement is enjoying an unprecedented level of popularity, with over 15 million procedures performed last year in the United States alone. Unfortunately, all of that plastic surgery doesn’t come cheap. Oftentimes, plastic surgery patients assume that since cosmetic procedures are elective, their insurance won’t cover any portion of the cost, but that’s not always the case. In fact, there are some plastic surgery procedures that your insurance provider may pay for, and there are ways to save money even when your insurance won’t cover the full cost.
Believe it or not, there are cosmetic surgeries that your insurance might consider necessary for your overall health. If you have medically documented chronic back, shoulder or neck pain, for example, then your insurance may chip in on a breast reduction or a lift to help ease the burden on your body. Similarly, if excess skin or inflammation around your eyes is impairing your ability to see, then you may be in line for insurance-assisted eyelid surgery.
Additionally, a number of states are now mandating that insurance providers cover gender reassignment surgery as well. Increasingly, gender reassignment is being seen as a measure to correct a mismatch between a person’s psychology and their physical body, a condition known as gender dysphoria. Since this type of surgery is viewed as addressing a psychological issue, more than half a dozen states, including California, Oregon and Massachusetts all mandate that insurance cover it.
If you’re looking to save some dough on purely elective procedures, then there is a simple trick you can use. When scheduling your cosmetic surgery, make the appointment for shortly after your yearly physical. You can use the insurance-covered blood work from your yearly exam and avoid having to pay for it out of pocket as part of your surgery.
Thankfully, in most cases complications arising from an elective surgery are covered by insurance. So if you develop an infection following a breast augmentation, for example, the procedures required to treat it are considered medically necessary and your insurance should pay.
Ultimately, there are no hard and fast rules when it comes to what insurance companies will cover. If you’re thinking of undergoing cosmetic enhancement, then it’s important for you to ask specific questions to your provider to determine how they will help. Sometimes it’s possible to pair an elective procedure with a medically necessary one and save money that way. And in the event that your insurance won’t cover any portion of your procedure, then talk with your surgeon and see if you can work out a deal.
If you or someone you know would like more information about plastic surgery, please feel free to schedule a consultation or contact one of our representatives today!