Will health insurance cover my breast surgery?

When researching breast enhancement surgery, many prospective patients become more aware of the costs associated with surgery. Some patients ask if their health insurance will help offset some of the costs for their procedure. The answer varies depending mainly on the type of procedure you are interested in.

It is not realistic to expect health insurances to cover elective cosmetic surgical procedures. This typically includes breast augmentation and breast lifts. Some breast procedures may be considered medically necessary or reconstructive rather than entirely cosmetic. This may consist of breast reduction surgery or reconstructive surgery after breast cancer.

In the case of breast reconstruction surgery, it is now required by law for insurance carriers to cover breast reconstruction surgery if they also cover mastectomy surgery. This makes shopping for health insurance coverage important when you have a strong family history of breast cancer. Breast reduction on the other hand is a lot harder to get approved. In addition to back or neck pain associated with overly large breasts, there is a list of qualifications that need to be met before your insurance will consider approving this procedure.

Health plans and individual circumstances vary widely; be aware of restrictions and requirements before taking the plunge with a breast reconstructive or reduction surgery. Some coverage requires co-pays or deductibles to be met. Also, not all plastic surgeons accept medical insurance and you will be limited to finding one in your network.

Dr. Alexander & Co. offers flexible financing options for their patients whose surgical procedures are not covered by medical insurance. Contact our Las Vegas office for further information.