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.