Plastic Surgery Insurance Coverage

Plastic surgery is a big decision involving a number of factors. Among those factors is cost, and more specifically, whether or not the procedure will be covered by your insurance.

Generally speaking, most insurance companies use “medically necessary” as a benchmark to determine if they will provide coverage for any particular service or item. That is, is the service or item medically necessary, or is it being done purely for cosmetic reasons?

When it comes to plastic surgery, it can go both ways. Some procedures are purely cosmetic in nature, while others do have a legitimate medical reason behind them. Read on to learn more about plastic surgery insurance in Savannah, GA and when a procedure may or may not be covered.

When Plastic Surgery Can Be Covered by Insurance

One example of a case where plastic surgery may be covered by insurance is with a breast reduction. Many breast reductions are done because of the chronic pain, skin irritations, and poor posture that overly large breasts can cause.

Other examples of cosmetic surgeries that may be covered by insurance include:

• An eyelid lift if a drooping eyelid is impairing one’s vision
• Breast augmentation or reconstruction as part of breast cancer treatment or recovery
• A nose reshaping to address breathing or sleeping problems

The above procedures are just some of the types of plastic surgery that may be covered by insurance. Each insurance company will have its own terms and conditions for determining coverage eligibility and will consider every patient’s needs on a case-by-case basis. 

When Plastic Surgery is Not Covered by Insurance 

Plastic surgery is typically not covered by insurance when being done solely for aesthetics with no underlying medical reason. For example, if you have a nose reshaping simply because you don’t like the look of your current nose and you have no documented history of breathing problems or sleep apnea, your insurance company may determine the procedure to be cosmetic and not medically necessary and therefore ineligible for coverage.

Schedule Your Consultation with Dr. John Paletta

The only way to know for sure if a procedure will be covered by a Savannah plastic surgery insurance policy is to consult with the professionals. Schedule a consultation with Dr. John Paletta today to discuss your needs and determine if your desired procedure may be covered by your insurance. If it’s not covered, our administrative team can let you know about your payment options.