Insurance companies generally cover genuine medical procedures and pay for the surgical operations. However pectoral implants are cosmetic in nature, so insurance is not generally provided. In very rare cases when implants are needed and done to correct a birth defect, insurance may provide coverage. It is necessary to find out in advance whether insurance agencies cover pectoral implants or not.
Implants are considered elective procedures and most insurance institutions do not cover it. Some functional surgical procedures may be covered by health insurance in part or in full depending on the health insurance policy. A counselor can help in verification of the coverage, completion of insurance forms, submission of the claims and the follow through for maximum benefits. Pectoral implant procedures are done by plastic surgeons and though it may not be a major operation, the patient certainly needs rest after the surgery. The patient needs to have at least a couple of weeks off from his work on health grounds. After the surgery, he will have to take bed rest and not move till the surgical wound heals and he is back to normal. He will have loss of pay at his work place for this duration and the insurance company will need to be informed of it. Some companies may consider and pay the insurance for it.
In a few cases people with congenital defects have pectoral implants and the insurance agencies might consider it as a medical procedure and cover it. In other cases, like those in the profession of weight lifting, or in life saving at the beach, or male models, pectoral implants may be a professional necessity. Insurance agencies may think of supporting them and pay for the procedure. Though pectoral implants neither help nor hinder any activities of the patient, they may help the professional person by providing a good visible physique. Those in the limelight like TV artistes or film stars may consider pectoral implants necessary in their profession for good income and support of their families. If they can present a good background and a proper case for insurance, perhaps the institutions may consider supporting this procedure and cover it.
The patient should read the insurance policy thoroughly and find out if there is any method by which the policy can cover such a procedure, and then he should discus it with the insurance provider before making a claim. If they are convinced that this is a genuine case he may recommend for the insurance coverage. |
