Insurance that covers cosmetic surgery??

[BlueTattoo 43]

Soemone told me that they had insurance through BCBSOK and it covered their body lift after they had the lap band... can anyone confirm this? I have BCBSOK and i called them and asked them about the lap band procedure and they said they cover it but i didnt think to ask about the body lift.

[faithmd 14]

You are going to have to call them back and ask them about your specific policy. Even if someone else also has BCBSOK, they may have different "riders" on their policy than you do.

VERY few insurances will pay for any cosmetic surgery. The key to getting a TT or AL paid for is having your doctor document skin irritations and the like after weight is lost and the insurance will cover it because it is medically necessary. Not too sure how many folks have been able to get breasts paid for, though.

[BlueTattoo 43]

AL? i know what TT is but *scratching my head on the AL

[Wheetsin 714]

I think you're seeing the difference between a medically necessary surgery that some might consider a cosmetic surgery, and a true cosmetic surgery.

A TT (tummy tuck) will be covered by some providers if a surgeon or doctor deems it medically necessary. This usually occurs when the person is having secondary problems (infections, continuous chafing, etc.) as a result of the rubbing skin. If someone has a baby, and their abdomen gets a little poochy, an insurance company will not cover that.

Mastectomies are another example. A woman who has a mastectomy and then has reconstructive surgery (including breat implants) to return to a normal physical state can normally get coverage through her insurance company, while a woman who just wants a D cup because she doesn't like her B cup cannot.

I've been in the insurance field indirectly and I cannot think of a single provider that covers elective cosmetic surgeries.

[faithmd 14]

AL=Abdominal Lift (sorry)

[Alexandra 55]

I think you're seeing the difference between a medically necessary surgery that some might consider a cosmetic surgery, and a true cosmetic surgery.

A TT (tummy tuck) will be covered by some providers if a surgeon or doctor deems it medically necessary. This usually occurs when the person is having secondary problems (infections, continuous chafing, etc.) as a result of the rubbing skin. If someone has a baby, and their abdomen gets a little poochy, an insurance company will not cover that.

Mastectomies are another example. A woman who has a mastectomy and then has reconstructive surgery (including breat implants) to return to a normal physical state can normally get coverage through her insurance company, while a woman who just wants a D cup because she doesn't like her B cup cannot.

I've been in the insurance field indirectly and I cannot think of a single provider that covers elective cosmetic surgeries.

Bingo! :clap2:

The magic words are medically necessary.