When Will Health Insurance Pay for Implants?

Unfortunately,
most insurance companies only cover the expense of treating breast asymmetry
when it’s associated with breast cancer.They view this type of procedure as purely cosmetic.Rarely, insurance carriers will cover the
expense of these procedures when they’re associated with functional
impairment.This usually requires going
through the prior authorization process to establish medical necessity.This is usually always unsuccessful.

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.

The decision for insurance to pay for your breast implants will come down to a few important factors- 

1. How 'good' your insurance coverage is 

2. Can the augmentation on the smaller side be justified as 'reconstructive' rather than cosmetic

3. Will the insurance pay for augmentation of the 'normal breast'

I think you're going to have a hard time getting this quasi-cosmetic procedure approved by any insurance company. The companies I work with (Premera, Regence and BC)  would reject the claim.

Breast reconstruction for cancer, on the other hand, is a federally mandated covered benefit. Insurance companies deny breast reconstruction claims at their peril.

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.  

If you have mastectomies for prophylaxis you are a candidate for reconstruction and your insurance company should cover that.