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Insurance doesn't usually cover the cost of a breast lift or inverted nipple correction, however you should contact your insurance provider to find out if yours is covered. If it is, it would have to be deemed medically necessary.
It is very rare for any health insurance to pay for cosmetic surgery. Inverted nipples that occur with ptosis (sagging breast) may be nicely corrected with a breast lift or Mastopexy. For patients undergoing breast reconstruction, insurance companies will pay for a Mastopexy on the opposite side to correct for asymmetry. Other than this situation, it is unlikely that they would pay for the procedure you are inquiring about. Good luck.
In my experience, insurance companies do not pay for breast lift procedures nor do they cover inverted nipple repair unless you have a liberally interpreted medical savings account plan.
Sagging of the breast is call ptosis. While it may make you unhappy this condition does not cause risk to your life or health. As such it is a cosmetic problem and health insurance does not cover cosmetic surgery.
The correction of inverted nipples is not usually a covered procedure. You can call your insurance company and ask to speak with a claims representative and make the inquiry yourself. The surgery for an inverted nipple is usually very simple and can be performed under local anesthesia as an outpatient.