I have small breasts (barely A) and many fibroadenomas in one of them that are growing and I keep finding more. I will need to have them removed at some point and I'm wondering if, because it is a medical necessity, my health insurance will pay for me to get implants afterwards, as I will likely end up with almost no breast on one side.
When Will Health Insurance Pay for Implants?
Doctor Answers (13)
Insurance companies and breast implant coverage
By law, insurance companies must pay for implants used in breast reconstruction associated with cancer. Everything else will be considered cosmetic and not be covered. Every insurance is different with the exception that they profit by not paying for health care services. There is a perverse incentive to collect premiums from consumers and not pay for care. You have to be your strongest advocate for your health. As a consumer, call your insurance company and make your case. I bet you doctor will arm you with all the medical documentation.
Breast implant coverage
If you have mastectomies for prophylaxis you are a candidate for reconstruction and your insurance company should cover that.
Insurance coverage of breast implants
Health insurance companies usually only cover medical and surgical procedures which they deem to be "medically necessary". It is very unlikely that an insurance company will cover breast implants except in cases of reconstruction after cancer surgery. However, your surgeon may request pre-determination prior to your surgery by submitting the required documentation to the insurance company.
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Breast Implants are covered if they are being used as part of a reconstruction after breast cancer or mastectomy. Insurance companies generally do not cover other procedure as they deem them cosmetic surgery.
When Will Health Insurance Pay for Implants?
You nee to write/call/ fax your insurance company to see if the certification/qualifications/predeterminations are or include implants for fibroadenoma removal. Also have a boarded PS write a letter for you. It just may help but I doubt it. But worth the try. From MIAMI DR. Darryl J. Blinski
$ave Your Money
It is difficult to predict how your insurance company will decide in this matter. It depends in large part on how your breasts look after the removal of the fibroadenomas. If there is a great deal of difference between the two sides, the chance of insurance coverage is greater. Coverage of breast augmentation also will depend on what the state of health care is in our country when you try to have your surgery. My best advice: Save your money to pay for breast augmentation yourself.
Submit insurance letter with supporting photographs documenting deformity
It is most probable that implants will NOT be covered for benign disease. However, if you have a compelling story and dramatic differences, consider having your general surgeon compose a letter with supporting photographs requesting a predetermination of benefits. Perhaps the reviewer would be sympathetic to your cause (unlikely) but it may be worth a chance if the difference is as pronounced as you state.
Breast implants are covered by insurance mainly in the case of breast reconstruction in cases of breast cancer.
Breast implants are covered for breast reconstruction and?
Breast implant are covered by insurance for breast reconstruction, but also depending on the policy and review, implant may also be allowed for cases where 'medical necessity' has been established. We have had implant coverage in young women with developmental asymmetry including Polands's syndrome, and for rehabilitation after multiple breast biopsies and for individuals who have a simple mastectomy because they are breast cancer gene carriers. It never hurts to begin with a predetermination request to your carrier.
Best of luck,
When Will Health Insurance Pay for Breast Implants?
Regarding: "When Will Health Insurance Pay for Implants?
I have small breasts (barely A) and many fibroadenomas in one of them that are growing and I keep finding more. I will need to have them removed at some point and I'm wondering if, because it is a medical necessity, my health insurance will pay for me to get implants afterwards, as I will likely end up with almost no breast on one side."
Your situation MAY be an exception (read further) but in general insurance companies will pay for a breast Augmentation when:
- Pigs Fly
- Hell Freezes
- Teenagers stops saying "Like"
- Politicians become truthful and honest
- Oil and water readily mix
- The English professor makes as much as the Football Coach at a big 10 school
Well, you get it.
Medical Insurance is a business scheme in which they take money and want to pay out the least amount possible EVEN for items clearly delineated in their coverage contract with you. There is not a single insurance company which lists "Cosmetic Surgery" (ie surgery which does NOT improve function or saves lives but only improves appearance) among its covered "benefits". They are not legally bound and will not pay for any appearance improving operation.
BUT - in some states all insurance plans which offer mastectomy benefits must offer reconstruction benefits as well. If you live in one of those states and undergo a mastectomy, the same insurance plan must also pay for your reconstruction. However, removal of multiple benign fibroadenomas will not qualify as far as I know.
Dr. Peter Aldea
These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.