Call Us Today 888.279.9701
Home Page Email
Business
Insurance
Home/Auto
/Life
Health &
Benefits
Payroll
& HR

plastic surgery

Not all medical procedures are considered to be essential and covered by insurance. Plastic surgery is designed to fix physical deformities caused by injury or illness. Cosmetic surgery is designed solely to improve physical imperfections; as a result, you may not be covered for procedures like liposuction or rhinoplasty. There are still options available to people interested in cosmetic procedures. Learn more about the coverage options provided by different insurance companies.

Common Treatments for Cosmetic Problems

Varicose veins, also known as spider veins, are large, unsightly veins that pop out of the skin. There are surgical and nonsurgical treatment options that involve removing the veins or shrinking the blood vessels. Sclerotherapy, involving the use of ultrasound or foamed drugs, endovenous laser treatments (ELTs) and saphenous stripping procedures are common. Ivein and other Vein-specific Clinics can take care of this and make this process rather simple.


Stretch marks occur when the skin stretches as a result of pregnancy, puberty or obesity. People use chemical peels and laser treatments to remove the marks.


Body acne is the appearance of pimples, blackheads, whiteheads and acne scars on the skin. The problem is treated in various ways: dermabrasion, light therapy, collagen induction therapy (CIT) and the prescription of retinoid drugs.


Obesity and stubborn fat found in different parts of the body are treated with liposuction. The types of procedures include the use of suction, ultrasound, water or laser.


Insurance Options for Cosmetic Procedures


Reconstructive surgery is considered to be medically necessary and covered under most health insurance plans. Nose jobs, breast reductions, and weight loss surgeries are covered if the purpose is to relieve pain and discomfort. Some companies provide partial coverage for the medically necessary part of a procedure. Every policy varies on the definition of medically necessary, so review each one carefully to know the types of procedures covered.


Non-reconstructive surgery is usually not covered under most health insurance plans. There are a handful of insurance companies that specialize in covering the costs of many cosmetic surgeries. To expand your coverage options, take the time to review the full range of insurance plans available.


Most insurance companies view cosmetic surgery in technical terms as an unnecessary expense. They do not cover surgery that is not performed to improve one's health. Some insurers provide monthly payment plans to help people pay for cosmetic procedures; however, finding any provider of aesthetic insurance is a challenge. Research is necessary to find a plan and provider that has the benefits you need.
Posted 11:59 AM  View Comments

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
Get a Quote
Interested In
Zip Code
Workers Compensation
Commercial Real Estate
Contractors
Restaurant/Bar & Tavern
Ag Crop/Rainfall
Oil & Gas
Professional Liability
Attorney
Auto/Home/Life
Health & Benefits
Payroll & HR
Tech/Cyber Liability
Auto Service
Business/General Liability
Trucking
CrossFit Deco
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
Connect With Us:
Social Social Social Social Social
Alliance Insurance Group
710 Golden Ridge Rd., Suite 120
Golden, CO 80401

Phone: 888.279.9701