top of page
Search

Cosmetic Surgery & Health Insurance: What’s Covered and What’s Not



Making the decision to have cosmetic surgery is a big decision. Make sure you know what your health insurance covers.
Cosmetic surgery is a big decision and isn't always covered by health insurance.

Thinking about cosmetic surgery and wondering if your health insurance will help cover the cost? You’re not alone—this is one of the most common questions we get! The short answer: it depends on whether the surgery is considered medically necessary or purely cosmetic.





What’s Typically NOT Covered

Most health insurance plans do not cover procedures done purely to improve appearance, including:

  • Facelifts

  • Tummy tucks

  • Liposuction

  • Breast augmentation (for cosmetic reasons)

  • Nose reshaping (if not tied to breathing issues)

If the goal of the surgery is to change your appearance and there’s no medical reason behind it, insurance won’t pick up the tab.


What MAY Be Covered

If a procedure is done to correct or improve a health condition, it might be covered. Examples include:

  • Breast reconstruction after a mastectomy (federally required to be covered)

  • Eyelid surgery (blepharoplasty) if drooping eyelids impair vision

  • Rhinoplasty to correct breathing problems

  • Skin removal after significant weight loss, if it causes health issues like rashes or infections

  • Scar revision after an accident or injury

In these cases, your doctor will usually need to provide documentation that the surgery is medically necessary.

Does your health insurance cover the cosmetic surgery you want to get?
Talk to us first! We're happy to answer any questions about Health Insurance coverage

How to Know for Sure

Before scheduling any surgery, it’s smart to: 1️⃣ Talk to your doctor about whether your situation qualifies as medically necessary 2️⃣ Check with your insurance company to confirm coverage and required pre-approvals 3️⃣ Review your plan details or give us a call—we’re happy to help you sort it out!






Final Thoughts

Every plan is a little different, and it’s always better to check up front than be surprised by a big bill later. If you’re considering any kind of surgery and want to understand your options, reach out—we’re here to guide you!



Comments

bottom of page