While this would definitely be a good thing, unfortunately, most insurance companies will not offer to cover breast augmentation as a cosmetic procedure.
There are specific reasons that your breast augmentation could be covered (if you need reconstructive surgery after a Mastectomy, for example), but these reasons are not common.
As a concerned doctor, I always suggest that my patients call and speak with their policy provider about specific costs associated with breast augmentation. Many women think that the initial cost of the procedure will be the only expense, but in reality, there could be other expenses involved.
In particular, if you are opting for silicone implants, most specialists suggest that you get an MRI every two years to check for implant rupture. While a rupture would not harm you immediately, the long-term effects of it could be unhealthy and an MRI is the only way to know for sure.
MRI coverage would be one of the questions you might want to ask your insurance provider, in addition to the questions below:
1. Does my policy cover the costs of the plastic surgeon’s fees, the implant, the anesthesia, and any other related hospital costs?
2. Does it cover removal and/or replacement of the implants if complications arise and this becomes necessary?
3. Does it cover the cost of detecting or treating a complication as a result of either the implant or the reconstruction, such as mammograms?
4. Will there be an increase in my insurance premium?
5. Will future coverage be affected?
