Cosmetic Surgery Cost Rebates
Cosmetic Surgery Cost Rebates
If you are considering having a cosmetic surgery procedure such as breast reduction surgery or a reduction mammoplasty, you may be wondering if some of that surgery cost could be carried by your health insurance.
Unfortunately, the answer to this question can be quite complicated, since not every insurance provides coverage for cosmetic surgery. So, to make it a little easier on patients looking to get some of the cost of their surgery refunded, here is a breakdown of need-to-know information!
What Is Breast Reduction With Liposuction And What Is Reduction Mammoplasty?
Before we elaborate on surgery cost rebates, let us tell you a little more about breast reduction procedures; this helps you understand which kind of procedures could be eligible for insurance coverage later in this article.
During a reduction mammoplasty, the surgeon removes excess breast tissue and skin to change the size and shape of the breasts. The reduction in breast size can also be accompanied by repositioning the nipple and areola.
Patients undergoing breast reduction with liposuction will have their procedure with a different technique. During this procedure, the surgeon makes small nicks in the treatment area, after which a cannula is placed into the treatment area. Then, the fat is removed from the breast to reduce its size.
Are Cosmetic Surgery Costs Carried By Medicare?
There are some rare instances where the cost of cosmetic surgery may be covered (partially) by Medicare. Please note that most of these surgical procedures will only be covered when the patient experiences a genuine physical problem that only cosmetic surgery can correct.
Patients who obtain a breast reduction often suffer from physical discomforts such as headaches as well as neck and shoulder pain. Even though large breasts can cause such discomfort, they are not always covered by insurance. In most cases, the patient must show that their heavy breasts are causing severe medical problems.
Medicare will only provide coverage when cosmetic surgery is needed because of accidental injury or to improve the function of a malformed body part; this could include breast reconstruction for a patient who had mastectomy due to breast cancer. Still, the requirements imposed by Medicare are quite strict, so always contact Medicare beforehand to ensure your surgery is covered.
Do Private Health Insurers Provide Coverage For Cosmetic Surgery?
When you visit your health insurer, or most health insurers on the internet for that matter, you may come across product names such as “ultimate health insurance” or “full coverage”. If you are looking for insurance to cover a cosmetic surgery procedure, you are most likely going to find it there.
What Is The Difference Between General Hospital Coverage And Private Hospital Coverage?
Please note that most insurance agents will distinguish between general hospital coverage and private hospital coverage. If you intend to have your treatment at a cosmetic surgery clinic, you will need private hospital coverage.
Discover Breast Reduction Surgery Cost Rebates!
An increasingly large amount of patients now opt for Breast Surgery Reduction procedures. Since the details matter with health insurers, always make sure that a specific type of abdominoplasty or liposuction is covered to avoid confusion later.
If you’re looking for a breast reduction surgery, get a free consultation at Breast Reduction Surgery clinic with Dr Lanzer.
Is There Coverage For Specific Procedures?
Most health insurers will only provide coverage for specific cosmetic procedures under their health insurance plans. Therefore, it is essential to check if your procedure is covered or not before you go ahead with the treatment.
Common cosmetic surgery cost rebates you might find under health insurance plans are the abdominoplasty and lipectomy (liposuction). In some cases, breast reduction via liposuction might fall under that category.
Can My Health Insurance Change Coverage Over Time?
The biggest problem with getting coverage from a health fund is that every health fund can change their coverage at any time. They can downgrade certain policies, but also change their terms and conditions. So, even if you believe you had the appropriate coverage a year ago, it does not necessarily mean you have it at the time you visit your cosmetic surgery clinic.
Could I Get My Treatment Cheaper Abroad?
When patients are faced with cosmetic surgery cost rebates in Australia, they are often inclined to find their treatment cheaper abroad. While treatment might be cheaper elsewhere, treatment abroad (medical tourism) is accompanied by many risks.
A common risk of medical tourism is infection, because each country has different sanitation standards. If you are considering a country that offers the treatment considerably cheaper, you could be exposed to unsanitary conditions; this in turn leaves you open to major risks such as bacterial and viral infections.
Most patients need medication before, during and after their treatment. Even though this medication might be provided in another country, it is hard to tell the quality of that medication. Some countries – especially in southeast Asia – are notorious for counterfeit medications.
One of the risks patients often forget to consider is the communication problem they might have with their clinic. If you don’t speak the language of the country you are having your treatment, you might have trouble communicating any medical issues or ask for assistance when you need it. Unfortunately, misunderstandings can lead to some serious complications that put your life in danger.
Air Travel Risk
If you plan to travel back to Australia shortly after your treatment, you might be exposed to additional risks such as blood clots. Travelling shortly after your procedure also exposes you to common risks such as infections.
Patients who had cosmetic surgery need a proper follow-up to ensure there weren’t any complications or to see if the treatment was successful. The standard of care and follow-ups in general can be different in another country. Some patients don’t even get access to it after their treatment. This exposes the patient once again to many risks and possible complications.
Why Pay For Treatment In Australia?
The safest way to get your treatment is by choosing an experienced surgeon within Australia. Of course, the price of treatment in Australia will be different than some other countries, but your safety certainly takes priority here. Therefore, it is always a good idea to consider your options in Australia first before looking to medical tourism.
There can be several procedures that are covered by insurance, so it is always a good idea to speak to your surgeon to uncover the options. Speak to Dr Lanzer about the procedure you are interested in and he can tell you if there is any surgery cost rebates from Medicare or private health insurers.
Not quite sure what your options are to pay for your procedure? Contact the Dr Lanzer Clinic to see if there are any additional options available to you. In addition to that, you could also speak to your health insurer and see if an upgrade of your current health insurance plan is in order. You could already have the necessary coverage too, so be sure to check before you consider surgery.