Will my Insurance or HMO Cover Any of the Cost of Plastic Surgery?

Insurance Doesn't Cover Most Cosmetic/Plastic Surgery Forget about anything considered "Cosmetic" as no insurance will cover this unless there is significant functional reasons like breast asymmetry (such as a congenital condition or after mastectomy for cancer). A tummy tuck will also never be covered by insurance, but occasionally a panniculectomy will. This is a term for removing only the apron of skin at the lower tummy area and only if it is very severe and causes problems like... more

Technically speaking most HMO insurance will not cover any cosmetic procedure. Criteria for coverage vary by carrier and will differ according to standards established for funcitonal or reconstructiive procedures for acquired or congenital conditions. There are no generalizations. Discuss your specific procedure with your primary care provider or gate keeper to ascertain eligibility for coverage of benefits.