You Can Get That Nose Job Covered, Here’s How
Posted on February 18th, 2010
According to theAmerican Society of Plastic Surgeons, in 2008, 12.1 million Americans got cosmetic procedures such as Botox, microdermabrasion, implants of all kinds and facelifts.If you are considering jumping on the plastic surgery bandwagon, do not count on your health insurance provider to foot the bill.
If it is your choice, cosmetic surgery will be an out of pocket expense.
The laws defining health insurance coverage varies from state to state. Additionally, individual insurance companies determine their policies regarding covered medical procedures. Plastic surgery necessary to correct deformities, health related issues or for cancer related breast reconstruction are generally covered.
We’ve found some cosmetic surgeries that may be included in your health insurance. (But watch out it might be taxed!)
Breast Reduction
Sometimes there is too much of a good thing, and women who opt for this surgery know it. Your doctor would need to determine if aliments such as back pain, difficulty breathing or other conditions are caused by the weight of your breasts, and if so, you may be in luck for coverage.
Breast Reconstruction
Because of the Womens Health and Cancer Rights Act of 1998, federal law mandates this surgery is automatically included as part of group health insurance coverage. When treating breast cancer results in breast loss, based on your personal preference and the decision of your surgeon, you should be covered.
Rhinoplasty
Many a Long Island girl have been diagnosed with a “deviated septum” and have the matching noses to prove it. If you truly have difficulties breathing through our nasal passages, a nose job can be a legitimate cosmetic surgery covered by insurance.
If you just want a cute button nose, you will be paying out of pocket.
Facial Surgery
Being different can be hard and being born with a facial abnormality like a cleft lip or palate can be especially challenging.
Luckily, many health insurance providers kick in to cover some of the expenses for corrective surgery. Other facial surgeries to treat paralysis may apply as well.
Otoplasty (Ear Surgery)
Based on reasons such as deformity caused by birth, disease or injury, ear surgery may be covered by health insurance.
Blepharoplasty (Eyelid Lifts)
When a person has drooping eyelids associated withptosis or other medical necessity (like the lids drooping so much in inhibits vision), plastic surgery expenses may be covered by health insurance.
Bariatric Surgery (Stomach Stapling)
If you are considered morbidly obese and your only chance of survival is a weight loss surgery, there is a chance that this procedure may be covered.
To ensure that your cosmetic surgery is covered by your health insurance, you need to review your policy and follow the procedures in place. Doctor’s recommendations and getting pre-approved for the surgery from your insurance provider is the best way to navigate the plastic surgery health insurance debate. Even if your insurance kicks in, you will be saddled with extra costs (like. deductibles).
However, based on the surgery, you may be entitled todeduct some of the medical expenses from your taxes.
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