There are many reasons to consider plastic surgery. You may assume surgery is only for wealthy women trying to hang onto their fleeting youth. If so, you may be surprised to know that the waiting room at a plastic surgeon’s office is populated with a variety of people from all walks of life. Many times, plastic surgery is not merely an elective procedure done out of conceit or to enhance the appearance. In many cases, plastic surgery is a necessary operation done to improve health and quality of life. Read on for 11 examples of when plastic surgery is something your insurance company may be willing or required to pay for.
11. Nose Job (Rhinoplasty)
You may think of a nose job as a cosmetic procedure to make your nose smaller or to smooth out a hooked beak. Insurance companies do not pay for nose jobs done for purely cosmetic reasons. However, several rhinoplasty procedures are considered medically necessary. According to plastic surgeon Dr. Bradford S. Patt, a nose job may be medically necessary if you have chronic sinus issues that interfere with your ability to breathe easily. Chronic inflammation due to allergies, an injury to the face, and deformities such as a deviated septum are issues that may be resolved by rhinoplasty.
10. Ear Surgery (Otoplasty)
Your insurance may balk at paying for ear surgery if your sole complaint is that your ears are too big. According to the American Society of Plastic Surgeons, the average cost of cosmetic ear surgery was $3,156 in 2018. Your insurance company will probably only foot the bill for ear surgery if the deformity interferes with your hearing. The Mirage Center suggests that otoplasty can be medically beneficial if a misshapen ear increases your risk of skin cancer. This may happen if the ears protrude so far that the delicate skin above the ear is overly exposed to sunlight.