PLASTIC SURGERY COSTS AND WHAT INSURANCE MAY COVER
Plastic surgery has given people the opportunity to change their entire appearance. It seems that everywhere we look, people are using plastic surgery to change their physical appearance. In some cases these surgeries are because of a medical reason in others is just because of physical appearance.
These kinds of surgeries are very expensive because the patient is not only responsible to pay for doctor fees, but also they have to pay costs for surgical facility, anesthesia, medical tests, prescriptions, and others. To determine if insurances cover these kinds of surgeries, we need to establish the difference between plastic surgery and cosmetic surgery.
Plastic surgery is also known as reconstructive surgery. This type of surgery involves fixing a part of the body that is abnormal and reconstructing it to appear normal. In most of the cases people seeks reconstructive surgery due to a malformation that they would like to have corrected; a cleft lip, broken nose, or birth defects are common examples under this category. Reconstructive surgeries are generally covered by most health insurance policies although patients have to meet some requirements, depending of the kind of surgery. This requirements could be the weight, age, health problems etc., and demonstrate that the procedure is a necessity with a series of tests.
Coverage includes: Hospital expenses, surgical expense, physicians’ visits other than for surgery and miscellaneous benefits, such as diagnostic x-rays or any other tests.
Cosmetic surgery differs from plastic surgery because the purpose of this procedure is to take a normal body part and improve it to make it look better, which will help people to improve their self-esteem. These surgeries are not needed because of a malformation or health issue. They are normally performed because the person simply wants to be more attractive in most cases. Anti-aging procedures, tummy tucks, and hair...