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3 Reasons Your Insurance Company May Cover Breast Implants

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For the most part, breast augmentation is an elective cosmetic enhancement, which puts the procedures outside the realm of standard health insurance coverage. However, there are a few circumstances that could warrant coverage of breast implants under certain conditions.

1. Significant Asymmetry

While women commonly think of breast implants simply as a solution for increasing their cup size, I help many of my patients resolve concerns with asymmetry with implants as well. No woman’s breasts are perfectly symmetrical, but a difference of a cup size or more can be very frustrating. Some insurance companies may cover breast augmentation in cases of severe asymmetry due to congenital abnormalities, although this is determined on a case-by-case basis and coverage is infrequent.

2. Reconstructive Surgery

Federal law dictates that any insurance companies that pay for breast cancer treatments like lumpectomies and mastectomies must also cover the necessary costs related to reconstructive surgery. Although specific reconstruction laws vary by state, breast implants should be covered for reconstructive purposes in nearly every case. This often includes reconstruction after injuries, trauma or due to congenital defects that are not related to breast cancer.

3. Contralateral Procedures

The same insurance regulations that require coverage of reconstructive procedures extend to any surgeries or treatments necessary on the opposite breast to ensure symmetry. For example, if the reconstructed breast will end up larger than the natural breast, insurance would cover a breast implant for the contralateral (non-reconstructed) breast as well.

The key word to remember in all of this is “may”—as in, your insurance may cover these options. While most policies do cover breast cancer treatment and reconstruction, it’s best to check directly with your policy provider.

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June 18, 2014
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