Financing Your Plastic Surgery: Health Insurance

​Planning for plastic surgery is no easy task. Everyone knows these surgeries are expensive. Most of them are not covered by health insurance. Yet each year, more and more people are having cosmetic surgery. Social media dominates the world, and face value is being monetized. You have to ask yourself, though, can you afford a specific procedure?

Cosmetic Surgery VS Reconstructive Surgery
Reconstructive surgery is performed on abnormal structures. These are caused by congenital disabilities, abnormal developments, trauma, or tumors. Reconstruction surgery also includes surgery to improve function. Or give a normal appearance like cleft lip and palate repair.

Cosmetic surgery can be surgical and non-surgical. Such procedures enhance the body’s structure. Unlike reconstruction surgery, cosmetic surgery is not considered medical. It is usually done to improve one’s normal anatomy and make it appealing.

Your Coverage Policy
The payment of your plastic surgery depends on your insurance company. Also, the type of coverage your policy has matters. There are different procedures where the insurance can cover your surgery. You have to determine if the surgery done is one of the covered:

• Abdominal surgery- Performed to improve or eliminate health problems. Such include back pain, sores, hernia, etc.
• Breast Surgery- needed to correct asymmetry, reconstruction due to loss or congenital abscess.
• Eye surgery- executed to correct drooping eyelids that cause vision impairment.
• Ear surgery- performed to correct deformed ears by birth, disease, or injury.
• Facial surgery-to balance the effect of facial paralysis or deformities in the face.
• Hand surgery- Treat carpal tunnel syndrome, nerve injuries, or deformities like fused fingers.
• Nasal surgery-correct congenital disabilities or deformities that cause breathing problems.

Finance It Yourself
It is important to consult your surgeon. They determine if your condition is considered reconstructive. Besides, they will submit claims to insurance carriers. Cosmetic surgeries are elective, and payment is your responsibility. Yet, some surgeons offer financing programs. Till allow you to make monthly payments.

Conclusion
Your health insurance is to cover your medical fees, drug prescriptions. It reimburses the insured for expenses incurred from an illness or injury. Now, if the surgery is meant to enhance your body feature, it might not be enough for insurance coverage.

At Choice Enrollment, we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (719) 481-1616 or Click Here to request a free quote.