9. Eyelid Lift (Blepharoplasty)
Eyelid surgery can reduce the appearance of sags and wrinkles, remove fatty deposits from around the eyes, or fix drooping eyelids. Again, your insurance company won’t shell out money in an attempt to restore your youthful appearance. However, there are some instances in which blepharoplasty is medically necessary. Blue Cross Blue Shield may pay for eyelid surgery in cases where a sagging eyelid or weak muscles interfere with proper vision. Blepharoplasty may also be covered to repair defects where trauma, injury, or disease have damaged the eyelids and cause pain or difficulty seeing.
8. Mole Removal Surgery
Insurance companies may pay for mole removal if the mole appears suspicious, is large, or is located in an area where it may be irritated by clothing. The American Academy of Dermatology reminds you to watch for the ABCDEs of skin cancer. A stands for asymmetry, or a mole that has halves that do not match. B is for an irregular or jaded border. C is for a mole with more than one color. D is for a diameter larger than a pencil eraser. E is for a mole that evolves or changes in appearance over time.
7. Breast Reconstruction
Your insurance company is not likely to pay for surgery to enlarge your breasts for cosmetic reasons. Longing for larger breasts or wanting to repair signs of normal aging will not qualify as medically necessary procedures. However, following a mastectomy, insurance companies are required to pay for reconstructive surgery on not only the affected breast, but the other one as well. The Women’s Health and Cancer Rights Act states that all stages of reconstructive surgery on both breasts and treatment for any complications must be covered by your health plan.