In most cases, cosmetic surgery is considered not necessary, and most health insurance companies do not cover it. For example if you want to rejuvenate your smile with digital dental implants, your health insurance provider would prefer to cover you for a bridge or denture instead of an implant.
However, there are cases where cosmetic surgery is medically necessary and therefore covered by health insurance. For example, if you are in an accident, such as a fire, or a car accident, especially if your face is injured, it falls into the category of medical treatment rather than cosmetic reasons.
If you do not need cosmetic surgery for a medical condition that is accidental or somehow inhibits your body functions, you will not pay.
Of course, it’s not fair to say that insurance companies should cover all cosmetic surgeries, as some people are simply vain and have no legitimate reason to undergo cosmetic surgery. The health insurance covers all types of accidental injuries, including those caused by a fire, a car accident, or by chemicals or other types of spilled liquids that affect the skin. We usually think of severe burns when skin grafts are necessary, but sometimes severe cuts also require the ability of a plastic surgeon to avoid permanent scars, especially in young children.
Cosmetic surgery has come a long way in recent years, and conditions that could not be treated a few decades ago can now be addressed. Conditions that were previously considered cosmetically are fully covered by health insurance because of their impact on the patient’s physical and emotional health. Of course, there are a few things that should cover insurance companies, which in many cases still consider them cosmetic, such as the removal of skin cancer lesions, scars of birthmarks and acne and other types of “minor” skin imperfections. Insurance companies sometimes regard scars from injuries as cosmetically even for adults, also if they are obvious enough to make the patient feel self-confident. Insurance companies are discriminatory when it comes to cosmetic surgery financing.