It may seem that any elective procedure is unlikely to be covered by your health insurance plan. However, there are some instances when these treatments may actually be clinically indicated and covered by insurance.
Five elective procedures that might be covered under your existing coverage include:
LASIK eye surgery
LASIK eye surgery can restore vision, so you can get rid of your prescription eyeglasses forever! Consumers with work-related flex-spending medical plans may find that they are able to get some assistance in paying for this procedure, in lieu of the continued costs to buy prescription glasses. Correcting vision may be a less costly option for insurers when they currently cover the cost of eye-wear and optometry appointments. You can visit http://www.checdocs.org to learn more about eye surgery.
Getting a breast reduction surgery could be covered by your health insurance if you are struggling with chronic back pain. Many women suffer from back issues that are related to the size of their breasts. For this reason, many physicians endorse reductions as being medically necessary.
Up until just a few years ago, weight loss surgery was not often covered by insurance. This is evolving as many carriers identify the added health risks and costs related to obesity. Lap-band, gastric bypass, and the gastric sleeve procedures are typically covered by insurance, depending on the individual's health, history, and weight.
If you have a great dental insurance plan, you might be able to get new veneers for little more than a co-pay. The procedure is likened to teeth whitening, which usually is not covered, but those that have had damage to their mouth due to an accident or injury may find insurers willing to foot some of the cost.
Botox is being found to be an effective treatment for people who suffer from migraine headaches, as well as a treatment to resolve profuse sweating. Botox may be injected directly into sweat glands in the underarm, providing relief when many medications do not. While insurance won't cover botox for cosmetic reasons, it may when the treatment is clinically indicated by your physician.
Before you count on insurance paying for your botox or new veneers, talk with your provider regarding the medical necessity of the procedure. The key to getting coverage is a medical necessity that clinically indicates that the treatment is viable. Review the terms of your health insurance carefully before deciding if the procedure is feasible for you.