Posts Tagged - ‘plastic surgery’

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Make Sure Your Health Insurance Covers Surgery

Wednesday, June 2nd, 2010

Image: schnaars under CC 3.0

As strange as it sounds, health insurance companies won’t automatically cover every surgery you undergo, even if it’s involuntary. That’s why you should do your research prior to entering the operating room.

For example, experimental treatments such as spinal fusion may not be covered. Purely cosmetic plastic surgery is usually not covered, even if a medical problem or accident caused the disfigurement.

In most cases, doctors and hospitals should know whether or not a procedure is covered, and if it needs pre-authorization under your health insurance plan. Just in case, it’s important to confirm that by checking with your insurer.

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Be Careful With Cosmetic Procedures From Doctors

Tuesday, May 18th, 2010

Image: Sultry under CC 3.0

An increasing number of physicians, including dermatologists, and dentists are offering cosmetic services in addition to their medical practice. It can be convenient to have them under the same roof. However, beware of hidden charges.

Most health insurance companies won’t cover cosmetic procedures, unless they are deemed medically necessary (i.e. an eyelid lift due to vision problems).

If your doctor or dentist recommends a procedure like Invisalign, ask them if it is actually needed. Also, be clear about the out-of-pocket cost. No matter what he or she says, most doctors know exactly what amounts various health insurance plans cover.

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Your Health Insurance May Cover Plastic Surgery After Weight Loss

Wednesday, May 12th, 2010

Image: adamjackson1984 under CC 3.0

After losing a significant amount of weight, many people deal with loose skin. Although their health outcomes are clearly better, it can be dismaying to see flab after defeating obesity.

In some cases, excess skin may even result in medical discomfort, such as back pain or rashes. If you can prove that cosmetic surgery–e.g. a tummy tuck–is medically necessary for those reasons, it is possible that health insurance plans will reimburse the cost.

You are more likely to find success in having your health insurance pay for the procedure if you had gastric bypass or other weight loss surgery.

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