Cosmetic surgery can be quite costly and financing the surgery may create a problem. However, there are some procedures that are eligible for coverage by your insurance policy. Breast reduction surgery happens to be one of those procedures. Therefore, if you want breast reduction performed, under which factors will your insurance provider cover it and how do you get their promise?
The initial phase should be getting in touch with your health care provider or insurance company and inquiring what is required to be accepted. Do not send in a request until you have all necessary documentation they ask for. It may seem like a mounds of legwork and a hassle, but if you want to eliminate the cost, it is well worth the attempt.
Ask yourself why you want this procedure. If you are getting the procedure simply for cosmetic reasons and not medical then it will more than likely come out of your pocket. On the other hand, if you have oversized breasts which are causing plenty of problems such as back and neck pain, headaches and gaining weight because of being inactive, then you are closer to having your insurance provider take care of it.
You may need to have a doctor document your health issues and associate them directly to the extra large size and weight of your breasts. Macromastia is the medical term for this condition which includes back and neck pain, shoulder pain, headaches and nerve damage.
If all goes well with your insurance provider, then the next step is selecting a surgeon. Your choice should be a reputable board certified plastic surgeon who is licensed to practice in your state. Your insurance company may be able to provide a list of approved surgeons. Otherwise, confirm their credentials and be certain there are no unresolved complaints or law suits filed against him.
It is even more of an advantage if he or she specializes in breast reduction procedures. Any doctor can call themselves a cosmetic surgeon and administer procedures and their only training may be weekend seminars. A certified plastic surgeon has been through structured training and testing to get where they are now. You and your insurance company are going to strongly prefer this type of experience if the coverage is approved.
Breast reduction can subtantially enhance your life and overall health. Insurance generally covers this condition but you have to satisfy specific conditions before an approval is made. Upon approval, you will be living a more active and enriching life.
By: Elena Cachia
Posts Tagged ‘Insurance Company’
Finding Out if You Are Covered for Breast Reduction Surgery
December 11th, 2009Insurance Companies Advertise Loans For Surgery
November 27th, 2009Insurance Companies have an extremely impressive selection of preventative healthcare services available. For instance, it is possible to arrange for a mammogram at a time to suit you. If any problems are found, then they can be dealt with quickly with no waiting on any lists and of course you can choose a hospital of your choice. Surely no one would discourage any woman from taking advantage of this. This is an invaluable and sensible step to take for professional working women.
However, the insurers have been accused of using underhand tactics by preying on women’s insecurities, by touting loans for plastic surgery. On insurers’ websites, there are lists of popular procedures such as collagen injections and facelifts along with costs involved.
When it comes to women paying for these procedures they suggest you apply to a finance company. It is normally the case however, that women, who are unhappy with their appearance, usually have a deeper dissatisfaction. Due to this, The British Association of Aesthetic Plastic Surgeons has turned on the insurers.
Apparently, insurance staff are paid commission for promoting the surgery they offer. Insurers are also accused of employing sales representatives paid on commission who are trained to target young women.
The Association’s president said that the insurance company’s decision to advertise loans for plastic surgery was “a very sad and dangerous step. The sad thing is that very vulnerable individuals are going to tumble into this. If their life is a mess and they think having their breasts done is going to sort it out, they will borrow the money. After the surgery, their life may still be a mess but they are also indebt. Someone with insecurities about their appearance is vulnerable to enticements towards cosmetic surgery, hoping it will revolutionise their lives but that is not always the case.”
Surgeons attending at the association’s annual conference the surgeons criticised clinics that resorted to supermarket tactics to persuade women to go under the knife saying that this trivialisation and commoditisation of medical procedures is appalling.
The Association’s spokesperson warned that such “enticements” made potentially dangerous surgery seem trivial and the true tragedy is that within this epidemic of rather tasteless activity, there are going to be patients who experience significant complications and lifelong damage from pursuing ill-planned and ill thought out operations. Other commentators said that by advertising prices and services it helps make plastic surgery more accessible.
The insurance companies concerned confirmed that call centre staff were paid commission for setting up appointments and defended the practice. “Our customers have told us that advice on paying for surgery is information they value, therefore we provide brief details on funding options on our websites.”
All these comments seem to imply that there is something immoral about cosmetic surgery. Something to be discouraged not encouraged. Surely there is nothing wrong in people trying to improve their looks so long as they are not damaging their health as a result. That being the case, why shouldn’t people have the option to borrow in order to finance that part of their lifestyle?
By: Michael Challiner
Successful Rhinoplasty Surgery – Estimating the Costs
November 14th, 2009If you’re considering rhinoplasty surgery, you will naturally want to review the estimated pricing. Rhinoplasty is a highly specialized procedure, requiring a high degree of artistry and skill, it may command a higher price tag than other routine procedures. However, the benefits of rhinoplasty surgery will last a lifetime and can be considered a solid, investment in your appearance and self-confidence.
Generally, the complete cost of rhinoplasty surgery can range anywhere from $3,000 to $8,000. There are three primary areas of expense:
· Surgical Fees
· Anesthesia Fees
· Facility Fees
These price breakdowns will vary depending on the difficulty, length, and type of rhinoplasty performed. By calling around to a few cosmetic practices, you can get a better idea of the general fees. For specific cost estimates, you will need to visit a cosmetic practice for a thorough evaluation and discussion of your nose surgery goals.
Comprehensive fees will be affected by many factors, including the areas of the nose structure being reshaped, specific techniques used, duration of procedure, level of difficulty, and type of anesthesia used. If you are interested in having rhinoplasty to alleviate nasal obstruction and improve functionality, you may be able to have some of the costs covered by your insurance company.
Rhinoplasty surgeons can be as different as apples and oranges. More experienced, highly qualified surgeons may charge higher fees for rhinoplasty, but you may find the higher cost well worth it. It is your responsibility as a consumer seeking an elective procedure to do your homework and choose a doctor based on factors like quality, personal care, and training.
The choice of what cosmetic surgeon you decide upon should never be made based on price alone; consider the surgeon’s background, experience, and past results. Make sure that you choose a rhinoplasty surgeon who is certified by the American Board of Plastic Surgery, and who has performed many procedures. High quality surgeons should be willing to work with you to help you achieve your rhinoplasty goals – look for practices that offer affordable financing and a variety of payment options.
By: Patricia Woloch
