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| Will My Insurance Cover the Cost of Plastic Surgery? |
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The American Board of Plastic Surgery, defines and certifies a reputable plastic surgeon as someone who is experienced in many areas due to his or her advanced and specialized training. Reconstructive surgery, microsurgery, cosmetic surgery and even surgery of the hand all fall in the category of plastic surgery. The medical community, often, will call on plastic surgeons to consult as wound specialists. Once you've decided you'd like to go through with plastic surgery, how will you pay for it? If the surgery is being done for cosmetic reasons, insurance will most likely not cover the expense. However, if the surgery is done to improve the function or restore a more normal appearance due to a defect from disease, injury or a congenital birth deformity, insurance may cover the procedure. The only way to really know for sure is to check with your insurance carrier. And although the decision is ultimately up to the insurance company, most plastic surgery offices will work with your carrier on your behalf to seek authorization for the surgery.
Some companies may have specific exclusions on surgeries that would be considered for benefits from other companies. Depending on your deductibles, co-payments, and co-insurance payments, your benefits may also be affected. It may be possible be reimbursed by your insurance company for procedures such as: breast reduction, breast reconstruction after masectomies, cleft lip and palate repair, nose surgery due to breathing difficulties, or facial fractures, and reconstruction after trauma such as car accidents. Some other more common types of procedures that are often covered by insurance are: microsurgery and surgery of the hand to correct carpal tunnel syndrome, joint replacement, trigger finger, or surgery to plant limbs or fingers are also commonly covered by health insurance. Some of your questions about insurance may be answered by your plastic surgeon. But it's wise to check with your insurance carrier.
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Getting Started
If you are considering a cosmetic medical procedure, consult a board-certified plastic surgeon about the process, risks, recovery time and costs. For confidential, personalized information at no cost or obligation, use the Find a Specialist tool to find a board-certified plastic surgeon near you. It's your first step to looking and feeling better today!
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