The cost of plastic surgery, can it be covered by health insurance?

Plastic surgery is usually done to change or add something that is lacking in the body for the better. Not a few people decide to do plastic surgery even at exorbitant prices. Moreover, now there are many health insurance companies that can cover your health care costs. However, is it possible that all the costs of this plastic surgery are fully covered by insurance?

Can health insurance cover the cost of plastic surgery?

Maybe all this time you know that plastic surgery is only aimed at people who want to beautify or change their physical appearance. Even though the reality is not that simple.

Quoted from the Detik Health page, Dr. Ferdinand, Sp. BP, a plastic surgeon specialist from Eka Hospital Pekanbaru, explained this further. According to him, surgery or plastic surgery is actually divided into two types, namely surgery for cosmetics or aesthetics and surgery for reconstruction.

Plastic surgery for cosmetic purposes is more often performed on people who are actually healthy but feel their physical appearance is less than perfect. That's why they chose the shortcut by doing plastic surgery.

Whether with the intention of increasing the size of the lips, sharpening the nose, widening the eyelids, enlarging the breasts, and so on. Now in this case, there are no insurance companies, both public and private, who are willing to bear the costs of this plastic surgery.

The reason is mainly because of the policies that apply in each health insurance company, which states that there are a number of operating costs that are not borne by the company. One of them is surgery that is aesthetic or cosmetic in nature.

In short, if you only want to remove or change a physical form that is actually not too dangerous or disturbing to health, then the cost of plastic surgery cannot be covered by any health insurance.

The cost of plastic surgery can be covered by insurance if…

Plastic surgery or surgery is indeed priced at a cost that is not cheap. What's more, because sometimes one operation has not been able to meet the criteria for the shape of the dream limb. It took several follow-up operations to get the ideal results, which in the end would be very draining.

Although the insurance company refuses to cover the cost of plastic surgery for aesthetic purposes, this is not the case for reconstructive plastic surgery. Reconstructive plastic surgery is plastic surgery that is performed to improve the shape of the body, in order to support health and at the same time improve body functions as a whole.

For example, in people with congenital disabilities, congenital disorders, burns, severe accidents, and various other diseases that can affect a person's physical and medical condition. Now in this case, usually the insurance company is willing to bear the cost of plastic surgery in accordance with procedures, policies, and collective agreements.

Why so? Again, every insurance company has its own insurance policy. Which means, not all rules in every company will be the same.

Take, for example, an insurance company that is willing to cover functional reconstructive plastic surgery due to an accident with a maximum period of 30 days after the accident. On the other hand, there are also insurance companies that only want to cover plastic surgery to support your health, but that are not the result of accidents.

In essence, all insurance companies have policies to regulate and limit health care options for each insurance participant. So as an insurance user, you must really understand what the main conditions apply.