What degree of back and shoulder problems/pain are considered breast reduction reasons for medically necessary according to most insurance options? How much of the problem is alleviated by such a surgery?
What is the Criteria for a Breast Reduction to Be Medically Necessary?
Doctor Answers (8)
Criteria for Insurance Coverage varies
Every insurance plan has their own unique criteria on whether they will cover a breast reduction. More and more, we are seeing plans where a breast reduction is not a covered benefit. If it is a covered benefit, some insurance plans set a minimum required amount of tissue to be remove in order to met their threshold for coverage. Some set the amount in relation to your BMI (height and weight). Others require extensive medical records documenting neck pain, back pain, and history of rashes. The other alternative is to opt for a breast reduction as a self-pay option. Start by visiting with a board certified plastic surgeon to learn more about your options.
Criteria for insurance coverage varies
Breast reduction may be covered by insurance if you meet certain critera, specified by your insurance coverage. Often times, insurance company will need documentation of back pain, shoulder pain, photos, your height and weight, size of your breasts and proposed weight of breast tissue that would be removed. If you do not meet the criteria set by your insurance coverage, you will need to undergo breast reduction by self-pay. Your self-pay breast reduction cost will differ depending on your surgeon's fee, facility fee, and anesthesia fee. There is a geographic difference as well. It will vary from $8000-$10,000. Please visit with board-certified plastic surgeons to discuss the overall cost as well as potential risks, alternatives, and benefits. Good luck to you.
Insurance Companies' Criteria for Breast Reduction Surgery
Most women who qualify for insurance coverage for a breast reduction suffer from back, neck, shoulder pain, or have recurrent inflammatory conditions under their breasts. Other symptoms that may help qualify include numbness or tingling in the hands. Normally the numbness or tingling would be in addition to some degree of back, neck, or shoulder pain. Grooving in the shoulders from the weight of the breasts on the bra straps are also symptoms that may help qualify a patient for a breast reduction. Another necessary component is the amount of tissue to be removed. The amount required varies from insurance company to insurance company. Some insurance companies will require previous trials of nonsurgical therapy. These may include physical therapy or a back and spine evaluation to rule out associated back or spine problems. Normally, these non-medical approaches are unsuccessful. Breast reduction typically is a very rewarding procedure for the patient and the plastic surgeon. Normally, when a woman comes to a plastic surgeon’s office with complaints of back, neck, or shoulder pain and recurrent irritation under the breasts, a breast reduction will very predictably solve the problem.
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Will My Breast Reduction be Covered?
Whether breast reduction surgery is covered or not varies from company to company depending the policy whihc might exclude coverage for all, but extremely large breast reductions.
Typically they will request documentation of symptoms such as neck pain and back pain, and photographs, as well as a trial of physical therapy and weight loss, and an anticipated insurance mandiated minimum amout of breast tissue to be removed.
This information will be reviewed and often authorization is denied per routine. therefore, you should appeal the denial decision and and request another review. If you follow the appeals process to the end, and you meet their criteria, then you may be approved.
Criteria for Breast Reduction to be Medically Necessary
Most insurance companies determine eligibility by how much tissue is to be removed, usually a minimum of 500 grams per breast. Usually a woman needs to be a DD or larger. Then the insurance company wants to know if having large breasts is causing back, neck and shoulder pain. they want to know what measures you have tried so far to relieve these symptoms, i.e. physical therapy, good support bras etc. Your surgeon will know how to request pre-authorization.Good Luck.
Breast reduction insurance coverage
It is important to rule out other sources of neck and back pain prior to proceeding with breast reduction surgery; otherwise you may be disappointed if the symptoms persist despite having had the surgery. If your symptoms are related to large breasts then the chances that you will be please with results of surgery (and the relief of symptoms) are very high.
The best way to obtain insurance coverage for breast reduction surgery involves some “hoops” to jump through. The more documentation you have (for example, from your primary care doctor, physical therapist, chiropractor etc.) the better when it comes to obtaining insurance “authorization” for the procedure.
This documentation and letter/pictures from your plastic surgeon will help you obtain authorization. Make sure you're saying a well-trained/experienced board-certified plastic surgeon.
Medically Necessary Breast Reductions
Although it varies among insurance carriers, most companies require documentation of syptoms (pain in the neck, back, or shoulders and rashes on undersurface of breasts, for example). Most companies use the Schnur graph to determine the amount of breast tissue which needs to be removed in relation to body surface area. Many also require a trial of "conservative therapy" which never works in the case of true breast hypertrophy. As far as resolution of pain, many patients state that they feel the difference in the recovery room and these patients are among our happiest.
Insurance coverage for breast reduction.
Insurance Coverage for Breast Reduction
80% of breast reduction questions on RealSelf are about insurance coverage. Here are some helpful points.
1) Insurance companies try very hard not to pay for breast reduction, even though they should. Even small breast reductions relieve many symptoms such as back pain and shoulder pain, and even some types of headaches.
2) Very big reductions (like from an F cup to a C cup) will usually be covered.
3) Many policies will pay for breast reduction if 500 grams (a little more than a pound) or more are removed from each breast.
4) Some policies take your height and weight into account. So that if you are tiny, smaller reductions will be covered. Find out the details of your policy.
5) DON'T get too much of a reduction just to satisfy the insurance company. You will be unhappy with tiny breasts.
6) Your surgeon needs to request pre-certification IN WRITING, and attach as much evidence as possible.
7) Evidence includes letters from your internist, orthopedic surgeon, and/or chiropractor stating that breast reduction will relieve your symptoms.
8) Some companies require that you try "alternative treatments" such as weight loss and physical therapy first.
9) Don't give up. If the first request is denied, demand an appeal.
10) If there is no insurance, and you cannot afford to pay a private surgeon, go to the plastic surgery clinic of a teaching hospital. There, residents do the surgery under supervision, and the cost is minimal. In New York City, we train residents and fellows at Lenox Hill Hospital, and they do good work.