Health Insurance Cover Plastic Surgery

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Does Health Insurance Cover Plastic Surgery?

We have already seen how precisely surgical interventions of a “purely” aesthetic nature appear as a common exclusion in the Plastic Surgery coverage of most health insurance. Also any need for testing, treatment or intervention derived from the consequences of having undergone one. However, this does not mean that you cannot benefit from having insurance when accessing these types of interventions.

As is clear from what we have discussed, there are important differences between the two kinds of plastic surgery. On the one hand, cosmetic surgery is primarily responsible for improving the physical appearance of a person. As a medical specialty, it is responsible for modifying or improving any part of the body, either in its shape or on a functional level. 

To clear up any doubts, it is best to check the particular conditions of the policy and consult the customer service of the insurance company. Likewise, many policies contemplate aesthetic sclerotherapy treatment used to treat spider vein sclerosis to make them disappear or reduce their size and appearance.

The companies’ medical teams also have professionals in these areas and / or their own clinics, or concerts and agreements are established with Plastic and Aesthetic Surgery clinics . This translates, as a general rule, into access with special discounts, just for being insured. It is very common for a company to make available to its customers a series of complementary services related to health and well-being; from alternative therapies (such as Acupuncture) to Spa sessions, through aesthetic treatments and operations. 

If you compare different offers, you will be able to find significant variations, both in rates and in the type of treatments and interventions they offer. In any case, if you are thinking of undergoing a procedure of these characteristics in the future, better opt for a company that can facilitate access: you will enjoy a lower price than the market price.

Your Insurance Needs Cosmetic Surgery

Many patients do not take into account that when undergoing cosmetic surgery , for example, of the abdomen, insurance payments increase because unless the abdominal muscle has become a medical problem threatening the health of the insured or the patient has a hernia in the area to be operated on, an intervention of this nature has no place in insurance coverage .

In this sense, the ideal thing for people who undergo cosmetic procedures that are risky for their health is to hire an insurance policy that covers side effects, since a basic insurance for medical expenses does not cover the cost of voluntary cosmetic plastic surgery to improve. physical appearance . It is likely that only in cases in which reconstructive surgery is justified or is medical in nature, the insurance will cover the expenses, that is, if it is to correct a physical problem caused by accident or some congenital disorder.

So, is there any insurance on the market that covers plastic surgeries? Not as such, but there are some insurers that include cosmetic medicine surgical procedures, as well as ophthalmological, dermatological or dental procedures, among others, within their coverage plan. This type of policies should be noted that they are not exclusive to cosmetic surgery, but to pay for surgical complications and cover any eventuality arising as a result of any surgical procedure of the different medical specialties such as those mentioned above.

This type of policy is generally valid for 30 days after surgery; covers bleeding, thrombosis, cardiac arrhythmias, neurological damage, shock, infections, temporary paralysis, bruising, also the results of a negligent procedure.

Before undergoing any surgical procedure that could threaten the life of the patient, it is of utmost importance to review in detail the clauses of the medical expense insurance policy, to know the unforeseen events to which it responds and how to do it, as it must take into account that each body reacts differently to medications, surgical procedures and especially to recovery.…

Does Hospital Insurance Cover Plastic Surgery?

When it comes to an intervention or treatment of a purely aesthetic nature, hospitalization insurance does not intervene. On the other hand, if it is a reconstructive surgery following, for example, an accident or breast cancer, most hospitalization insurances provide coverage, at least according to the conditions, ceilings and percentages. compensation, etc. determined in the contract. Here is a nose job doctor in Miami who is recommended by many specialists.

If you find your nose to be too big or your breast size too small, you won’t be able to rely on hospital insurance to satisfy your desire to change your appearance through plastic surgery. In such a case, it is the deliberate choice of the patient to undergo such an operation. From a legal point of view, insurance can only intervene if it is an uncertain risk. A deliberately chosen cosmetic / plastic surgery operation, which is not medically necessary, is not uncertain.

When a woman is recovering from breast cancer, for example, and wants breast reconstruction, the process is not just limited to “wanting to look more beautiful”. The same goes for someone who comes out disfigured from a serious car accident, etc. In such situations, almost all hospital insurance covers reconstructive surgery. Of course, it is as always necessary to take into account the possible deductible, the compensation limit, and other aspects.

You should therefore read the general and specific conditions of your insurance contract in order to see to what extent your hospital insurer will reimburse your intervention.

You don’t like your breast and want to have a breast augmentation? Or would you like to hide the signs of aging on your face with botox injections? Your cosmetic intervention will not be covered in these cases.

Indeed, from the moment it is a request on the initiative of the insured himself for the sole reason of feeling better about himself, health insurance will not be able to cover the related costs. to your surgery.

On the other hand, certain interventions are necessary and recognized in the medical environment as harmful to the health of the patient.

For example, doing a breast augmentation following breast cancer, or conversely having to do a breast reduction following a major back problem, the latter can be taken care of.

The conditions are that these cosmetic operations must, therefore, be prescribed by a doctor and recognized as a medical reason.

Regarding the insurance concerned, it will be necessary to turn to additional insurance such as additional hospitalization insurance , outpatient or accident insurance. It is the insurance companies that decide to include this coverage in such or such insurance. In itself, there is no insurance exclusively dedicated to cosmetic procedures. The best is to get information from one of our specialist advisers who are always on hand to find you the best premium.