Health insurance companies often do not cover costs of surgery when repairing a problem that is related to pierced or gauged earlobes. If acute injury produces a laceration that likely would be covered. When surgery is performed in an office setting using local anesthesia, costs are much lower compared to surgery in a hospital or surgery center. We recommend the office setting.
It would be rare for an insurance company to cover repair of a split your low unless it had just happened and the edges are still raw, for example of one's hearing got pulled through after getting caught on clothing. However, if it is a split your low, one usually pays out of pocket. The cost for many surgeons is only several hundred dollars as this is a relatively small procedure and can be performed under local anesthesia in one's office.