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Simpson Financial Group  Preparing for life’s uncertainties

people with doctorsNowadays, most Americans have generally easy access to a variety of surgical procedures. Changes in insurance affordability, coupled with medical advancements, make elective surgery more frequent, not to mention safer.

Elective surgery is a surgery done by choice. It doesn’t involve a medical emergency that requires immediate surgical intervention. Elective surgery is something like a tonsillectomy. Most people have a choice in whether to undergo this type of procedure.

On the other hand, a major or urgent surgery may be something like a heart bypass operation. Patients usually need major surgeries to correct life-threatening illnesses or injuries. They usually don’t have as much choice in urgent surgery as they do in elective surgery.

An ever-growing market for elective surgery is in the realm of cosmetic surgery. Cosmetic surgery includes things like rhinoplasty (a nose job), Botox and similar operations. Many people get cosmetic surgery to improve their outward appearances.

Insurance for Elective Surgeries

If you face an elective surgery, your health insurance should come in handy. Insurance will generally cover some or all of the cost of a medically necessary elective procedure.

Medically necessary surgeries are operations that are crucial to your well-being. For example, a knee replacement isn’t necessarily an urgent surgery, but it may help a person walk better. Therefore, even though knee replacement is likely elective, it should have insurance coverage.

Talk to your insurance agent to see how your insurance covers an elective operation.

Costs for Cosmetic Surgeries

However, health insurance usually does not cover purely cosmetic surgery.

While cosmetic surgeries are often elective, they are usually not medically necessary. For example, a facelift usually is for the patient’s appearance alone. Because there’s no real medical need for surgery, insurance may not cover the procedure.

When Insurance will Cover Cosmetic Surgery

But, don’t worry. Insurance can often cover a variety of cosmetic procedures. Your policy may cover a cosmetic procedure if you need it for a medically necessary reason.

For example, someone may need rhinoplasty to correct a lifetime of breathing difficulties. Procedures that seek to improve a patient’s quality of life often have coverage as well.

If your doctor recommends cosmetic surgery for medical reasons, contact your insurance company. Both your doctor and your insurance company can help you find out if the procedure has coverage.

Simpson Financial Group can help you understand your health insurance coverage. We can get you a free online quote right now. Call us at (877) 727-7780 for more information.
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