Question: Is cosmetic surgery covered under normal health insurance?
From: Sherri W. of Milpitas, CA
Answer: Most likely, no. Most medical insurance plans specifically exclude cosmetic surgery. Even dental coverage is limited or reduced for what may be considered cosmetic procedures. I can think of certain situations for which exceptions will probably be made-e.g., a burn patient or mastectomy patient in need of reconstructive surgery or prosthetics. If there is an issue in question, you may need a letter from your physician explaining the necessity of the surgery and that it is not merely for cosmetic reasons. But general cosmetic work such as liposuction, face lifts, tummy tucks, etc. are usually not covered by health insurance
Ruthann Russo, PhD, JD, MPH, RHIT, is a healthcare expert with more than 20 years of experience working in and advising healthcare organizations.
