Most medicare insurance policies only cover medically necessary procedures and does not cover procedures that are solely for cosmetic reasons. There are, however, exceptions to this rule. For example, if you have a condition that causes you both cosmetic and physical distress, your medicare insurance may reimburse you. Here are three cosmetic procedures that may be covered under your medical plan:
Rhinoplasty is a surgical procedure that is often referred to as a "nose job." While many rhinoplasty procedures are performed solely to change the appearance of the nose, they are also done in order to facilitate breathing in the individual who has a deviated septum.
When your septum becomes deviated, it can obstruct your nasal passages, making breathing breathing difficult, or in some cases, impossible. Rhinoplasty surgery can repair the septal bone, while improving the appearance of your nose. If you have a deviated septum along with a misshapen, large, or crooked nose, your medicare insurance may pay for entire cost of your procedure and hospital stay, minus your insurance deductible.
Eye Lid Surgery
While medicare insurance will not cover the cost of a cosmetic eyelid procedure, it may cover the costs of an eyelid lift. Sometimes the eyelids can droop over your eyes, obscuring your vision. This is most common in older people, and can be so severe, that they are unable to read, drive a car, or even walk without risking an accident because of poor vision.
Eye lift surgery will improve the "hooded" appearance of your eyes, and it will also dramatically improve your field of vision. Before scheduling your eyelid surgery, review your medicare benefit plan to make sure that your surgical expenses will be covered.
Breast reduction, like breast augmentation surgery, is not covered by medicare insurance. One exception may be if your breast reduction surgery is being performed because of pain and disability. Some women have very large, heavy, and pendulous breasts that cause neck, arm, and spinal pain.
Large breasts can also aggravate existing medical conditions such as fibromyalgia, osteoporosis, arthritis, autoimmune disorders, and cervical disc problems. Not only will your breast reduction surgery decrease the size of your breasts, it may also help diminish musculoskeletal pain and improve your range-of-motion.
If you are unsure of what your plan covers, speak to a medicare representative like those at Veltkamp Agency Inc. Medicare insurance does not cover all of your medical expenses. According to Medicare, "if you need certain services that Medicare doesn't cover, you'll have to pay for them yourself unless you have other insurance or you're in a medicare health plan that covers these services."