The Truth About Breast Implants Medical Insurance

The Truth About Breast Implants Medical Insurance



The Truth About Breast Implants & Medical Insurance
The cost of​ breast implants,​ which is​ the​ medical term used to​ describe a​ surgery to​ increase the​ size of​ a​ woman’s breasts,​ is​ high .​
Therefore,​ the​ majority of​ patients who desire to​ have breast implants surgery are turning to​ their private insurance companies for coverage .​
Prior to​ being accepted as​ a​ candidate for a​ breast implants procedure,​ the​ patient must undergo an​ evaluation with their physician .​
This may include a​ physical,​ a​ look into the​ patient’s past medical history and a​ determination of​ why the​ patient wishes to​ have this type of​ surgery .​
The patient will be informed by both the​ surgeon and primary care physician about the​ benefits,​ risks and overall outlook following surgery.
Before moving forward,​ the​ patient should contact his/her private insurance carrier in​ order to​ determine if​ their policy covers this type of​ surgery .​
The problem that many patients encounter is,​ because breast implants is​ a​ form of​ plastic surgery,​ many insurance companies will not cover the​ cost of​ this procedure .​
If breast implants are included in​ their policy,​ the​ next step will include submitting letters of​ recommendation to​ the​ insurance carrier.
This letter will be sent directly from your surgeon or​ physician’s office and will request financial approval for the​ breast implants .​
Along with this letter,​ a​ copy of​ the​ patient’s medical records will also be submitted .​
The patient will be responsible for gathering much of​ his/her medical records and receipts,​ so it​ is​ a​ good idea to​ begin gathering this information as​ soon as​ possible because letters of​ recommendation cannot be submitted without it.
Following the​ submission of​ recommendation letters,​ most physicians expect a​ response within several weeks .​
Depending on​ the​ insurance carriers,​ however,​ decisions can take anywhere from two weeks up to​ several months .​
In the​ event that a​ denial is​ issued,​ the​ physician will typically continue working with the​ patient to​ provide additional information expressing the​ need for breast implants surgery .​
If the​ patient is​ continually denied for coverage,​ it​ may be necessary to​ seek alternate funding options .​
This may include a​ payment plan offered by the​ hospital,​ which requires that the​ patient accept the​ financial responsibility for the​ surgery in​ the​ form of​ monthly payments .​
a​ bank or​ credit union loan may be another option,​ but will depend on​ the​ patient’s credit history and other factors as​ to​ whether the​ loan is​ approved or​ denied.
This article is​ intended to​ be used for informational purposes only .​
It should not be used in​ place of,​ or​ in​ conjunction with,​ professional medical advice .​
Anyone considering a​ breast implants procedure must consult a​ licensed physician for a​ proper determination and further information.




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