Does Insurance Cover the Cost of Repairing Torn Earlobes?

What is the cost of repairing 3 split earlobes and does insurance cover this procedure?

Doctor Answers 31

Insurance covers traumatic ear repair

My advice is to get to a plastic surgeon right away if your earlobe is torn.  Most insurances cover traumatic repair of the earlobes but question whether elective surgery is cosmetic in nature.  My office fields these questions all the time and is adept at making pre-authorization inquiries to clarify coverage in advance of surgery. 

New York Plastic Surgeon
5.0 out of 5 stars 41 reviews

Repairing earlobes is a cosmetic procedure unless caused by an accident.

Earlobe repair is a cosmetic procedure.  If earlobes were torn by some documented accident, there may be an outside chance of getting insurance to pay, otherwise you are on the hook for the cost.

Mark Taylor, MD
Salt Lake City Dermatologic Surgeon
4.2 out of 5 stars 18 reviews

Earlobe and insurance

You have to check with your insurance company. Most often not, but sometimes it in fact is. (this is rare). Only one way to find have to call and check.

Chris Thiagarajah, MD
Denver Oculoplastic Surgeon
4.9 out of 5 stars 9 reviews

Insurance does not cover torn earlobes in Georgia

Torn earlobes are not covered by insurance, at least in Georgia.  However, the procedure is so simple and inexpensive it shouldn't be a problem to get them fixed.  It's done in the office with local. We charge $250 per earlobe.

Vincent N. Zubowicz, MD
Atlanta Plastic Surgeon
4.7 out of 5 stars 35 reviews

Cost for earlobe repair

The Cost of earlobe repair and insurance coverage:

Ear Lobe surgery cost will vary depending upon the surgeons skill, and experience. It will also change with the geographic location of the surgery and the type of procedure the surgeon performs. This is generally not covered by insurance unless it is a recent traumatic injury.

 My recommendation is to first find the most qualified surgeon, board certified by the american board of plastic surgery.. 

Plastic Surgery Cost is Influenced by 4 main factors:

  1. The training and experience of your Surgeon. A starting point is to check that your plastic surgeon  is board certified by the American Board of Plastic Surgery. Then ask  how long they have been performing this specific procedure

2. The geographic location may make a big difference in the cost of surgery. Cities such as  New York, Dallas, Miami and Los Angeles are frequently more expensive.

The surgical facility also changes the fees.  Office surgery is often less expensive than outpatient surgery and the hospital setting is usually the most expensive


3.  The type of anesthesia will add to the cost of a procedure.  Local anesthesia is the least expensive and being asleep or general anesthesia takes the longest time and has the highest costs

4. The complexity and length of surgery will determine costs for all surgeries, both for the surgeon and the facility.

Most offices can arrange for payment

plans. Banks, credit cards, and financing companies are options.

Care Credit  and Prosper are just a few of the companies that offer plans. Many are no interest for 12-18 months.

Geographic costs and names of

experienced doctors can be found on Real Self or the websites for the American

Society of plastic surgeons for the American Society of aesthetic plastic


#earlobesurgeryprice          # earlobe surgery



Jed H. Horowitz, MD, FACS
Orange County Plastic Surgeon
5.0 out of 5 stars 109 reviews

Cost for Earlobe Reconstruction

  • Ear Lobe surgery cost varies significantly for a number of good reasons: Prices vary greatly because the surgery itself encompasses a wide range of techniques that can be performed to different extents. My recommendation is to first find the most qualified surgeons where you want the surgery performed that are board certified by the American Board of Plastic Surgery or Facial Plastic Surgeon you trust, then compare prices between them. See the below link on suggestions on how to find the most qualified plastic surgeon for your procedure. General Factors that influence the price of plastic surgery include:

  • 1. Location - Most procedures will be performed in a doctor’s office where costs can be contained. If not will it be performed in a hospital or an independent out- patient facility? Geographical location also has a significant influence. RealSelf has average charges for most areas of the USA.

  • 2. Type of Anesthesia – local anesthesia is typical and less costly. If IV sedation or General Anesthesia is used: Will a board certified anesthesiologist, nurse anesthetist, or an RN be used?

    3. Experience and training of your surgeon. The best and longest trained is most often a plastic surgeon board certified by the American Board of Plastic Surgery

    4. Length and Complexity of Surgery - how difficult will your surgery be and how long it will take, etc.
  • #earlobesurgery
  • #earloberepair
  • #earloberepaircost

Larry S. Nichter, MD, MS, FACS
Orange County Plastic Surgeon
4.9 out of 5 stars 154 reviews

Does Insurance Cover the Cost of Repairing Torn Earlobes?

In general, no.  If they are repaired at the time of another trauma (some sort of accident), then possibly, but it is generally considered a cosmetic procedure.  Prices are generally very reasonable as it can be done with local anesthesia right in the office.  Wishing you all the best.
Garrett A. Wirth, MD, MS, FACS

Garrett A. Wirth, MD, FACS
Orange County Plastic Surgeon
5.0 out of 5 stars 11 reviews

Does insurance cover the cost of repairing torn earlobes?

Hello! Thank you for your question! Surgical procedures for aesthetic purposes, to improve appearance, are not covered by insurance. Typically, these as well as complications resulting from such procedures are the responsibility of the patient. Procedures that are meant to correct functional issues and those which cause health-related issues should be covered by your insurance as a medical necessity, with proper examination and documentation. Some insurance plans have exclusion criteria for certain procedures. Also, it is an obligation of the surgeon not to attempt to authorize purely cosmetic procedures through insurance.

Discuss your issues and complaints with a board-certified plastic surgeon to discuss these as well as to examine and assist you in deciding which procedure(s) will be the best for you.  Typically torn earlobes are cosmetic procedures not covered by insurance.  Certainly, pay in advance prior to your surgical procedure and options such as financing are available if you qualify.  Cot will vary among surgeons and you geographic location.  This can usually be done in office under local anesthesia with a flat fee for all.  Hope that this helps! Best wishes!

Lewis Albert Andres, MD
Scottsdale Plastic Surgeon
5.0 out of 5 stars 26 reviews

Does Insurance Cover the Cost of Repairing Torn Earlobes?

Thank you for your question, Brenda. Every insurance policy is different, so your question is not easily answered with a yes or no. Often the procedure is considered cosmetic and will not be covered. Certain plans allow earlobe repair in some circumstances such as following a recent traumatic earlobe tear - especially if it is repaired immediately following the episode of trauma. Check with your insurance carrier regarding the particulars of your case. Good luck.

James M. Pearson, MD
Los Angeles Facial Plastic Surgeon
5.0 out of 5 stars 130 reviews

Torn earlobe and insurance...

Torn earlobes are mostly caused by people who wear heavy earrings over long periods of time or by people who have inherently weaker earlobes.  Ear lobe repair is a quick procedure which is done under local anesthesia.  After the stitches are removed, the ear usually heals nicely and it is safe to have your ears pierced 6 after weeks. This is a cosmetic procedure and will not be covered by insurance unless you go to the office on the day that it rips and a laceration is visible. The cost of the procedure varies upon which doctor you see but usually runs about $700 per ear.  Be sure to consult with a Board Certified Facial Plastic or Plastic Surgeon when scheduling a consultation.









































Shain A. Cuber, MD
Edison Plastic Surgeon
4.7 out of 5 stars 83 reviews

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.