I have a torn ear lobe and I would like it to be fixed. Would my insurance cover it?

  I agree with others who have replied.  In my experience, this type of procedure is usually considered to be of a cosmetic nature and hence would not be covered by your insurance.  It usually would be reasonably affordable though.  Check RealSelf for prices in your area.

In my experience, medical insurance companies do not pay for ear lobe surgery. Best to check with your specific insurance/policy for accurate information. Best wishes.