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!

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.

Insurance coverage of torn ear lobe repair is becoming increasingly less common, as most insurances consider it cosmetic.