Cosmetic surgery- Cosmetic Surgery is performed to reshape normal structures of the body, to develop form and appearance of any body structure to look normal. Cosmetic surgery basically is not considered in health insurance. There are a large number of gray areas in coverage for plastic surgery that sometimes require special consideration by an insurance carrier. These areas usually involve surgical operations which may be reconstructive or cosmetic, depending on each patient’s situation. For example, eyelid surgery (blepharoplasty) a procedure normally performed to achieve cosmetic improvement may be covered if the eyelids are drooping severely and obscuring a patient’s vision. Aesthetic surgery is an essential component of plastic surgery. Plastic surgeons use cosmetic surgical principles in all reconstructive surgical procedures as well as in isolated operations to develop the overall appearance.
Reconstructive surgery – Reconstructive surgery is performed on abnormal structures of the body, caused by congenital defects, developmental abnormalities, trauma, infection, tumors or disease. It is basically performed to develop function, but may also be done to approximate or develop a normal appearance. Reconstructive surgery is generally included in most health insurance policies although coverage for specific procedures and levels of coverage may vary greatly depending on the quality of the insurance. Reconstructive surgery is considered to be medically required and covered under most health insurance plans. Nose jobs, breast reductions, and weight loss surgeries are covered if the purpose is to relieve pain and uncomfort. Few companies provide partial coverage for the medically necessary part of a procedure. Reconstructive surgery covers a wide variety of procedures that are performed to help repair damaged tissue. Causes of tissue damage can range from birth defects or traumatic injuries to severe burns or disease.