What Cosmetic Issues Might Insurance Pay For?

With regards to insurance coverage for cosmetic procedures, there is good news as well as bad news. The bad news is that it is impossible for insurance to cover purely cosmetic procedures. However, if the cosmetic procedure is medically necessary, it may be covered by insurance even if it will also improve your appearance. And that’s the good news.

A Medical Nose Job Can Be Covered
Certain medical nose procedures are typically covered by most healthcare plans. These medical jobs can also be called septoplasty or a deviated septum procedure. But if it’s rhinoplasty, that is for purely aesthetic reason, and it will not be covered. You are advised to work with an ENT who will help to justify that you need your nose reconstruction job to correct your breathing problems.

Many patients with nose problems usually choose to undergo septoplasty combined with rhinoplasty at the same time to improve the appearance of their noses. The insurance will most likely cover the necessary septoplasty procedure, but you may be required to pay for the rhinoplasty.

Orthodontic Procedures Can Be Covered
There are dental insurance plans that cover certain orthodontic or dental procedures. But various factors affect the actual cost of orthodontic procedures such if you have or don’t have dental insurance and the recommended dental treatments or procedures. It will depend on your dental insurance plan as to how much discount you will get for the cost of undergoing dental. If you're wondering on the teeth straightening front, braces and plastic teeth aligners can also be paid for.

You may consider the following tips if you want to save money on dental procedures:

• Before scheduling an appointment with the dental care provider, make sure that they will accept your dental insurance plan. If they will accept it, ask them what procedure is covered and the amount of coverage.
• Be sure to have a dental insurance plan first before getting any orthodontic treatment. Your procedure may not be covered if you start the treatment before getting a dental insurance plan.

Some Botox Procedures Can Be Covered
If your Botox procedure is purely for aesthetic improvement, it will not be covered by insurance. However, if the botox procedure is functional or medically necessary, the insurance company will shoulder part of or perhaps even all of the expenses. The procedure should be considered as reconstructive and that your medical condition is considerably interfering with your quality of life. These medical conditions could include migraine headaches, facial and eyelid spasms and hyperhidrosis or excessive sweating.

Always remember to ask your doctor plenty of questions regarding the resources available for these, as they could have some financial resources available. ​