As you plan for plastic surgery, it's a good idea to find out what will happen during your surgery and talk to your surgeon about how you will look and feel following your procedure. And don't forget to do some research on the costs associated with your surgery, and how those costs will be paid.
There are two types of plastic surgery:
• Reconstructive surgery is performed on abnormal structures of the body, caused by congenital defects, developmental abnormalities, trauma, infection, tumors, or disease.
• Cosmetic surgery is performed to reshape normal structures of the body in order to improve the patient's appearance and self-esteem.
If you have insurance, that is where you need to start, what will your insurance pay for and what will be your responsibility? You are responsible for any amounts not covered by your insurance plan.
Reconstructive surgery is generally covered by most health insurance policies, although coverage for specific procedures and levels of coverage may vary greatly.
Cosmetic surgery, however, is usually not covered by health insurance because it is elective. Cosmetic surgery is your choice and not considered a medical necessity.
Gray Areas
• Reconstructive or cosmetic, depending on each patient's situation. For example, eyelid surgery - a procedure normally performed to achieve cosmetic improvement - may be covered if the eyelids are drooping severely and obscuring a patient's vision. Or, nose surgery may be covered if it will correct a defect that causes breathing difficulties.
It's important to understand what's included in your policy before you advance too far in planning surgery. Some policies provide coverage for many plastic surgery procedures while others are more limited in coverage. Read your policy and benefits manual carefully and discuss any questions you may have with your insurance plan manager.
Your plastic surgeon may accept major credit cards or offer a financing program that will allow you to make manageable monthly payments for cosmetic surgery. Ask your surgeon's office staff if any such programs are available.
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