Insurance that covers cosmetic surgery??This is a discussion on Insurance that covers cosmetic surgery?? within the Insurance & Financing forums, part of the Main LAP-BAND® Surgery Forums category; Soemone told me that they had insurance through BCBSOK and it covered their body lift after they had the lap ... | Insurance & Financing For discussion of issues related to Insurance coverage and financing of LAP-BAND® surgery. | 
03-20-2007, 06:44 PM
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#1 | Registered User Thread Starter
Join Date: Mar 2007 Age: 25
Posts: 58
| Insurance that covers cosmetic surgery??
Soemone told me that they had insurance through BCBSOK and it covered their body lift after they had the LAP-BAND®... can anyone confirm this? I have BCBSOK and i called them and asked them about the LAP-BAND® procedure and they said they cover it but i didnt think to ask about the body lift.
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Norman, Okla. 
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03-20-2007, 07:07 PM
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#2 |
Join Date: Jan 2007
Posts: 2,693
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You are going to have to call them back and ask them about your specific policy. Even if someone else also has BCBSOK, they may have different "riders" on their policy than you do.
VERY few insurances will pay for any cosmetic surgery. The key to getting a TT or AL paid for is having your doctor document skin irritations and the like after weight is lost and the insurance will cover it because it is medically necessary. Not too sure how many folks have been able to get breasts paid for, though.
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Quando Omni Flunkus Moritati
(When all else fails, play dead) H371/S327/C297
Fell off the wagon in a big way, got back on with my first fill ever 4/29/08
Small AP June 21st, 2007 by Dr. James Wagner @ Hurley in Flint, MI
Last edited by faithmd; 03-20-2007 at 07:07 PM.
Reason: spelling
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03-21-2007, 07:43 AM
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#3 | Registered User Thread Starter
Join Date: Mar 2007 Age: 25
Posts: 58
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AL? i know what TT is but *scratching my head on the AL
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Norman, Okla.
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03-21-2007, 09:13 AM
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#4 | Token atheist / moderator
Join Date: Oct 2005 Age: 32
Posts: 6,319
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I think you're seeing the difference between a medically necessary surgery that some might consider a cosmetic surgery, and a true cosmetic surgery.
A TT (tummy tuck) will be covered by some providers if a surgeon or doctor deems it medically necessary. This usually occurs when the person is having secondary problems (infections, continuous chafing, etc.) as a result of the rubbing skin. If someone has a baby, and their abdomen gets a little poochy, an insurance company will not cover that.
Mastectomies are another example. A woman who has a mastectomy and then has reconstructive surgery (including breat implants) to return to a normal physical state can normally get coverage through her insurance company, while a woman who just wants a D cup because she doesn't like her B cup cannot.
I've been in the insurance field indirectly and I cannot think of a single provider that covers elective cosmetic surgeries.
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-175 pounds
Banded March 1, 2006
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03-21-2007, 10:25 AM
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#5 |
Join Date: Jan 2007
Posts: 2,693
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AL=Abdominal Lift (sorry)
__________________
Quando Omni Flunkus Moritati
(When all else fails, play dead) H371/S327/C297
Fell off the wagon in a big way, got back on with my first fill ever 4/29/08
Small AP June 21st, 2007 by Dr. James Wagner @ Hurley in Flint, MI | |
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03-21-2007, 11:11 AM
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#6 |
Join Date: Jul 2003 Age: 47
Posts: 6,994
City: Morris County State: NJ | Quote:
Originally Posted by Wheetsin  I think you're seeing the difference between a medically necessary surgery that some might consider a cosmetic surgery, and a true cosmetic surgery.
A TT (tummy tuck) will be covered by some providers if a surgeon or doctor deems it medically necessary. This usually occurs when the person is having secondary problems (infections, continuous chafing, etc.) as a result of the rubbing skin. If someone has a baby, and their abdomen gets a little poochy, an insurance company will not cover that.
Mastectomies are another example. A woman who has a mastectomy and then has reconstructive surgery (including breat implants) to return to a normal physical state can normally get coverage through her insurance company, while a woman who just wants a D cup because she doesn't like her B cup cannot.
I've been in the insurance field indirectly and I cannot think of a single provider that covers elective cosmetic surgeries. | Bingo! :clap2:
The magic words are medically necessary. | |
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