Does Insurance Cover Plastic Surgery?

Plastic surgery is a cosmetic procedure that people undergo to enhance their physical appearance. It can be a great way to improve self-confidence and self-esteem. However, the cost of plastic surgery can be expensive, leaving many people wondering if their health insurance will cover the cost. In this article, we will explore the topic of whether insurance covers plastic surgery or not.

What is Plastic Surgery?

Plastic surgery is a medical specialty that involves the reconstruction, restoration or alteration of the human body. It is divided into two major fields: reconstructive surgery and cosmetic surgery. Reconstructive surgery is performed to repair damaged tissues and restore normal function whereas cosmetic surgery is performed to enhance the appearance of the body.

Some common cosmetic plastic surgeries include breast augmentation, liposuction, rhinoplasty, facelifts, and tummy tucks. These procedures are performed for aesthetic reasons rather than medical reasons.

Does Insurance Cover Plastic Surgery?

In general, most health insurance plans do not cover cosmetic plastic surgery. Insurance plans only cover procedures that are medically necessary. Medical necessity is determined by the insurance company and is based on the individual’s medical condition and the severity of the condition.

However, there are some cases where insurance will cover plastic surgery. For example, if a person has experienced significant weight loss, causing an excess of loose skin that is causing health problems like rashes or infections, the surgery may be deemed medically necessary and covered by insurance.

What is Reconstructive Plastic Surgery?

Reconstructive plastic surgery is performed to repair damage or deformities caused by injury, disease, or birth defects. These procedures are often covered by insurance because they are considered medically necessary. Examples of reconstructive plastic surgery include breast reconstruction after a mastectomy, cleft lip and palate repair, and skin grafts for burn victims.

What are the Limitations of Insurance Coverage for Plastic Surgery?

Even if a plastic surgery procedure is deemed medically necessary, there may be limitations to what insurance will cover. For example, insurance may only cover part of the cost of the procedure or may only cover certain aspects of the surgery. It is important to check with your insurance provider to understand your coverage and any limitations.

What are the Costs of Plastic Surgery?

The cost of plastic surgery varies widely depending on the procedure, the surgeon, and the location. According to the American Society of Plastic Surgeons, the average cost of breast augmentation in the United States is around $3,700, while a facelift can cost around $7,500. It is important to research the costs of the procedure and to budget accordingly.

Frequently Asked Questions (FAQ)

Question
Answer
What is the difference between reconstructive and cosmetic surgery?
Reconstructive surgery is performed to repair damage or deformities caused by injury, disease, or birth defects while cosmetic surgery is performed to enhance the appearance of the body.
Will insurance cover the cost of plastic surgery?
In general, insurance will only cover plastic surgery if it is deemed medically necessary. Cosmetic surgery is not covered by insurance.
How much does plastic surgery cost?
The cost of plastic surgery varies widely depending on the procedure, the surgeon, and the location. It is important to research the costs of the procedure and to budget accordingly.
What are some common cosmetic plastic surgery procedures?
Some common cosmetic plastic surgeries include breast augmentation, liposuction, rhinoplasty, facelifts, and tummy tucks.
What are some common reconstructive plastic surgery procedures?
Some common reconstructive plastic surgeries include breast reconstruction after a mastectomy, cleft lip and palate repair, and skin grafts for burn victims.

Conclusion

Plastic surgery can be a great way to improve self-confidence and self-esteem, but it can also be expensive. In general, most health insurance plans do not cover cosmetic plastic surgery. However, there are some cases where insurance will cover plastic surgery if it is deemed medically necessary. It is important to research the costs of the procedure and to understand your insurance coverage and any limitations. If you are considering plastic surgery, it is important to talk to your doctor and your insurance provider to determine the best course of action for your needs.