Insurance coverage limited to Breast Reconstruction after Mastectomy

C. Bob Basu, MD answers: Insurance coverage for lift and implants for deformed breasts?

After having 3 children and losing the weight before even leaving the hospital, my breasts are very deformed and I am unable to find a bra or bathing suit to even fit properly. I weighed about 160 pounds per child then returning to 100-110 pounds. There is just no way to keep them in a bra. Is it possible to get breast implants and breast lift through insurance coverage for this?


C. Bob Basu, MD
23 days ago

Dear Itsme79: 

It is very unlikely any insurance company will cover your surgery. It will be deemed cosmetic. The only breast surgery that must be covered is breast reconstruction after mastectomy as per the only health care mandate that exists in federal law (1998 law).    My recommendation would be to visit with an American Society of Plastic Surgeons member surgeon.  Their office will likely shared with you options for your surgery including financing plans such as Care Credit. 

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