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Why is the Doctor Charging Extra if Breast Reduction is Covered?
My breast reduction was approved by Tricare. Doctor is charging me $3,500 for a breast lift and nipple reduction. Aren't breast lift and nipple reduction part of breast reduction? Should I pay extra? Should it be included? What should I do? Thank you.
Asked 35 months ago by
mimijess in miami,fl
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A breast reduction include a lift and areolar reduction
Reducing the areola and lifting the breast are part of a breast reduction. You should discuss the charges with your surgeon and ask for clarification. Please understand that the amount the insurance will pay the doctor is a tiny fraction of the bill so don't be mislead by believing that the doctor is being paid in full.
Many plastic surgeons actually don't take any insurance anymore and you would be asked to pay in full preop and try to get some reimbursement from your insurance after...
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Get clarification from Doctor
Mimijess:
In general, insurance or self-pay breast reduction includes removal of excess skin, fat and breast tissue. The areola (not the actual nipple) is lifted and repositioned as part of the procedure. Additional liposuction of the lateral chest is not included, but often helpful. Additional reduction of overly prominent nipples would not be included. As other surgeon's posts have mentioned, insurance reimbursement is much less than typical charges for the breast reduction procedure...
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It all depends on the insurance.
It all really depends on your insurance and the doctor. A breast reduction involves moving the nipple and lifting the breast by definition. If your surgeon is "in-network" for your insurance plan, then he is obligated to take whatever the insurance pays. However, if he is "out-of-network," then whatever the insurance covers just supplements his or her fee and your are responsible for the rest. It is entirely up to you if you want to go to an "in-network" surgeon or not. Keep in mind...
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Insurance may only pay a part of your surgeon's fee.
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Breast reduction is a fuzzy area...
There are a multitude of procedures referred to as breast reduction, including simple liposuction. Some involve long scars and some short. From an insurance point of view, the only real concern is relief of the weight of the breast producing neck, back, or shoulder strain. This can potentially be accomplished with just liposuction without regard to shape, form, or aesthetics of the breast.
Breast lifts generally address the shape and form of the aesthetics of the breast. I do not know why...
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Insurance covers procedure but surgeon asks for payment
If your surgeon does not participate with Tricare, he may not recieve payment (you may get the check) therefore it is reasoanble for him/her to ask for payment in full pre-operatively. If he/she does participate, then itis likely that they will have to accept Tricare payments minus the obligated co-pay.
see video
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Breast reduction fees
Before your surgery carefully review all the expected fees for your breast reduction surgery. This can be a very confusing area when dealing with insurance. Every insurance policy is different and each has different requirements for the surgeon and patient as well. Make sure that you understand where each portion of the fee will cover.
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Breast Reduction and Insurance coverage
A breast reduction is one of the most labor intensive procedures that plastic surgeons perform, and it takes a significant amount of time (both in the operating room and for aftercare visits) to do correctly. Insurance reimbursement is not consistent with the amount of work involved, and with some carriers, it is actually insulting. Because of this, it is difficult to find a senior plastic surgeon who will accept insurance payment for a breast reduction. As was suggested above, you need...
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Breast reduction includes lift and areola reduction
Breast reduction includes a breast lift and reducing the size of the areola NOT the nipple. If your nipples are also being reduced, then that can be billed separately.
However, if you have an HMO and your doctor is on your plan, then your doctor has to accept payment from the insurance company for a breast reduction (not nipple reduction). If you are on a PPO and you see a surgeon not on your network, then they can charge you any fee they wish.
You do need to know that many insurance...
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Discuss the fees with the doctor so you are fully aware
Hello mimijess,
Having your breast reduction "approved" does not mean the insurance company will pay the doctor. We have been in a situation where a major carrier "approved" a breast reduction. The patient loved the results, had complete improvement in symptoms and the carrier denied payment. Why? Arbitrarily they said we "did not remove enough" to cover it, even though the procedure was "approved" with photos ahead of time, all symptoms went away and...
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