Getting cosmetic surgery done can be one of the crucial decisions in your life. There are two reasons. First, and foremost, it can your physical appeal among other things, giving you an aesthetically-pleasing body. That said, not everyone can afford the big price tag that cosmetic surgeries come with.
The (Monetary) Problem with Cosmetic Surgeries
Depending on what kind of surgery you want to get, the prices may be anywhere between thousands and millions of dollars. However, this is where cosmetic insurance comes into play. While many people believe that health insurance companies don’t cover costs incurred by cosmetic surgeries, that is not entirely true.
There are certain types of health insurances that prepare you for the huge costs of cosmetic surgery. That having said, you should be clear about the insurance that you are choosing and what the insurance package covers in total.
If you lack the basic idea, do not worry; we’re here to help. In this article, we have listed some of the usual things covered by health insurances for cosmetic surgeries. It’s important to note that we are talking about normal health insurance packages.
It’s important to clear the doubts before you proceed so that you do not end up paying a huge amount in the end.
Things Covered by Health Insurance for Cosmetic Surgeries
Given below are the common types of cosmetic surgeries that are covered by health insurance packages. It should be noted that cosmetic is a relative term here. As it happens, there are certain variations of cosmetic surgeries that have some kind of medical advantage. If your requirement meets this particular criteria, you may be able to cover the costs for the same under insurance.
Here are 4 things covered by health insurances for cosmetic surgeries.
1. Nose Job
Nose jobis something that is usually covered by normal health insurance packages. This is because an abnormally-shaped nose may cause breathing issues as well. If you are dealing with some kind of structural defects with your nose, you can most definitely claim insurance coverage. Otherwise, you may need to have proper insurance for cosmetic surgery.
2.Otoplasty
It refers to surgeries that are done to correct the shape of ears. Once again, an abnormally-shaped ear could have implications when it comes to auditory capabilities. One thing to be noted is that otoplasty can be done without paying much during the early years — before adulthood to be precise.
3. Beauty Marks
Beauty marks also come under the purview of certain insurance companies. You should consult the insurance documents before deciding to purchase a dedicated insurance package for cosmetic and plastic surgeries. It’s very likely that an insurance package would cover the removal of a beauty mark if the mark comes under the category of being ‘cancerous’ or ‘suspicious.’
4. Panniculectomy
Thisrefers to the removal of excess skin from your body, especially after you have lost a considerable amount of weight from the body. This would be important in improving the aesthetic appeal of your body, but your normal insurance might cover the costs. At the end of the day, you will be able to save some amount.
In addition, some modifications to varicose vein issues and butt lifts may also be covered under insurance packages. But, at the end of the day, you should check before you make the appointment.
About Insurance for Cosmetic Surgeries
So, it should be clear to you that many of your plastic surgery needs are not covered by your normal health insurance programs. That is why we have to think about dedicated insurance for these processes. However, there are a few things you should know about these.
There are several types of cosmetic insurance options. You may have to approach a health insurance agency for knowing more about the potential options. Of course, you will have to consider options like the price of the insurance, breadth of coverage and the trustworthiness in general.
For instance, there are some cosmetic procedure insurance methods that cover multiple cosmetic needs of yours. However, when it comes to expensive yet common cosmetic needs like piercing, breast augmentation and tattoos, you may be able to find some specific options as well. How you choose from these options may depend on the amount you can spend and your requirement.
The Bottom Line
On any day, though, going for a dedicated cosmetic surgery insurance is way safer than depending on your normal health insurance coverage. To say the least, you can enjoy better coverage and peace of mind as you go through the process. Because you are dealing with professionals, they are likely to know about the usual issues that may come across in the way.
We hope this guide helps you choose the right way-out for your cosmetic surgery needs. You would need at least one of these, unless you have a huge load of money to spend.
