Does Health Insurance Cover Plastic Surgery?

Plastic surgery is not only used to make people look good. This, in many cases, is necessary for the well-being of the patient. These cases are called reconstruction surgery. This means that part of the patient’s body is damaged and needs to be repaired. Most insurance agencies will cover a lot of reconstruction surgery.

To be covered, any plastic surgery must be necessary for the welfare of the patent. For example, plastic surgery of the nose is covered only if it is aimed at clearing the airways, thus allowing the patient to breathe. An insurance agency will pay for lip plastic surgery if their original condition prevents the insured from eating.

These reconstruction procedures are usually necessary for people who were involved in an accident. However, the doctor needs to convince the agency that plastic surgery is necessary from a medical point of view. There are many cases where skin reconstruction was not covered because it served only a cosmetic purpose, even though the person was involved in a serious accident.

Breast reconstruction is covered after a mastectomy. This procedure is required by law if a woman’s breasts have to be removed due to cancer. Breast reduction surgery is only covered if the weight of the breast can damage a woman’s back.

There is one big discount that most agencies cover: weight loss surgery. People who are obese are at risk of many other medical complications. If they are insured, most future medical expenses will be paid by the agency. In this case, weight loss surgery can save a lot of money for the insurance company. However, not everyone is eligible for this procedure. Only those who are severely obese and whose health is at great risk can get coverage for such surgery. Will skin reconstruction procedures be covered? No, unless it is necessary. Set skin, in most cases, does not endanger your life, so it is not covered.

What about plastic surgery to look good? Is there an agency that covers such procedures? I’m sorry to disappoint you, but no. It is highly unlikely that you will find a health plan to cover plastic surgeries that only serve a cosmetic purpose. So, if you want to make your nose a little smaller, or your lips a little bigger, you just have to pay out of pocket.

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