01/09/2026
FAQ:
Does my insurance pay for cosmetic surgery? 👇
Most standard health insurance generally does not cover cosmetic surgery because it's considered elective and not medically necessary; however, it may cover reconstructive plastic surgery if it treats a health condition, improves function (like breathing or vision), relieves pain, or corrects deformities from injury, illness, or congenital issues, with examples like breast reduction for pain.
Coverage depends on your specific policy and the insurer's definition of "medical necessity." It is important to contact your insurance prior to scheduling any surgery to get a clear understanding of your policy's criteria for "medical necessity."
What insurance may cover, dependent upon your policy (Reconstructive Surgery):
Breast Reconstruction: After a mastectomy (cancer treatment) or to correct congenital deformities.
Breast Reduction: If it relieves chronic back, neck, or shoulder pain.
Eyelid Surgery (Blepharoplasty): If drooping eyelids block vision.
Body Contouring: After major weight loss (like a tummy tuck) if excess skin causes rashes, infections, or other medical issues.
Scar Revision: If scars cause discomfort, impact function, or result from injury/burns.
