This question does insurance cover liposuction? has been a great concern for many who which to go about this cosmetic procedure.
Liposuction is a type of cosmetic surgery that removes fat from a specific area of the body using suction.
The abdomen, neck, and buttocks are some of the areas that are most frequently treated with liposuction.
Also, the second-most popular cosmetic procedure in the US in 2019 was liposuction, according to the American Society of Plastic Surgeons (ASPS). People over the age of 55 received about 10% of these treatments.
Does insurance cover liposuction? An overview
Although liposuction is a common procedure, insurance companies frequently view it as discretionary cosmetic surgery and refuse to pay for it. Is liposuction for lipedema covered by insurance?
Lipedema, a condition in which fat deposits in the body swell into the leg, causing bloating and swelling in the legs and, in severe cases, the lower torso, is another major application for liposuction.
Related: 10 most expensive cosmetic surgeries
While this is a serious medical problem, the liposuction used to treat it is almost never covered by major health insurance providers because the problem can be solved with conservative therapy. Continue reading to find out more about how to get coverage, when Medicare will pay for liposuction, and other topics.
When might liposuction be covered by insurance?
Of course, this does not imply that insurance companies never fund large cases of liposuction or other aesthetic procedures.
Typically, this is due to the fact that the situation has been declared to be a medical emergency or that a liposuction operation is required for some other medical reason.
Examples include treating subcutaneous lipomas, lowering high triglyceride levels, or treating heart congestion or cardiac problems.
The patient may be qualified for coverage from their health insurance company in certain circumstances.
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Liposuction can be used to treat certain medical conditions depending on the patient and how much fat is removed from the body during the surgery, liposuction can have some positive effects on one’s health. Historically, liposuction
How to get liposuction Covered by insurance
Let’s look at the actions you can take to get insurance to pay for liposuction:
- Consult your doctor
In order to prove that liposuction is actually required medically for your condition, ask your insurance-approved physician to send a formal request to insurance or the plan’s provider.
- Assemble more supporting documentation
You can gather whatever supporting documentation you have regarding your disease and any prior therapies you’ve attempted, in addition to the written request from your doctor.
- Speak with your insurance providers
To find out if you qualify for coverage, describe your circumstance in detail. You must get in touch with your plan’s provider if you have a Part C plan.
Even if you follow all of the above recommendations, insurance may still not cover for your operation. This is due to insurance’s long-standing policy of not covering elective procedures like liposuction.
You have the right to challenge a decision that denies you coverage. There are various steps in this procedure, and some of them may change depending on whether you have original insurance or a Part C plan.
- Don’t makeup health issues.
Having said that, don’t betray the good doctor’s trust. If you fabricate a medical condition in order to appear as if liposuction is a medical necessity for you when it is not.
Insurance fraud is a serious crime that can result in up to 5 years in prison and a fine of up to $50,000 USD.
That is a very serious punishment, not to mention unethical. So, if you’re going to try to get your insurance company to cover your liposuction procedure, do it honestly.
What other choices do I have?
You can still have liposuction even if insurance companies don’t pay for it. Regardless of the type of insurance coverage you have, you will be responsible for paying all expenses out of pocket in this situation.
The average cost of liposuction in 2019 was $3,548 according to the ASPS. However, this price may change based on things like:
- your geographic area,
- your plastic surgeon, and
- the exact liposuction technique utilized
For your operation, some cosmetic surgeons could provide financing or a payment schedule. If you decide to proceed with liposuction, make sure to bring up the subject during your initial visit with a plastic surgeon.
Conditions where liposuction is recommended
Liposuction may be requested for a variety of reasons. That isn’t to say that major cases of liposuction or other cosmetic surgeries aren’t covered by insurance companies.
Typically, this is because the case in question has been determined to be a medical emergency or there is some other medical reason why a liposuction procedure is required.
Examples include treating heart congestion or cardiac problems, lowering high triglyceride levels, and removing subcutaneous lipomas.
In these cases, the patient’s health insurance provider may be able to provide coverage. Take a look at some of the more prevalent ones and consider further potential treatments.
- For a health issue
Insurance may pay for additional surgical treatments if you need liposuction for a medical reason. Discuss your alternatives and how and when insurance will cover them with your doctor.
- To lose weight
You have a number of possible options under insurance if you want liposuction for weight loss or another cosmetic reason: Liposuction can provide some health benefits, depending on the patient and the amount of fat removed from the body during the procedure.
Liposuction has been shown to help with medical complications caused by obesity (though it is not a cure for obesity itself), such as cardiovascular congestion and back pain.
Furthermore, liposuction lowers triglyceride levels in the body. These fatty lipids can be used to provide extra energy between meals, but too much of them can be harmful to your health.
- benefits of fitness.
SilverSneakers and other fitness perks are provided by several Insurance Advantage plans. In fact, a sizable 2011 study discovered that people who used SilverSneakers had fewer hospitalizations and were less likely to have multiple chronic diseases.
screening for obesity. If you have a body mass index (BMI) of 30 or greater, insurance will pay for this procedure. It involves a BMI calculation and behavioral therapy that emphasizes nutrition and activity as ways to lose weight.
- Nutritional treatment
You might be qualified for nutrition therapy if you have diabetes or kidney problems. With the help of this service, you may control your food and other lifestyle choices that might have an impact on your condition.
weight-loss surgery. Some particular weight loss surgery procedures are covered by Medicare. To qualify for coverage, you must, however, adhere to severe requirements.
- Lipomas Subcutaneous
Lipomas are another common application for liposuction procedures in today’s world. Lipomas are fatty deposits that form an unsightly lump just beneath the skin.
They are usually harmless, but they can be cancerous and should be treated by a medical professional as soon as possible. Liposuction is one of the most effective treatments we currently have for them.
If you need liposuction to treat a cancerous subcutaneous lipoma, your insurance company will almost certainly pay for it.
A final thought on does Does insurance cover liposuction
The current health insurance sector is known for being particularly protective of its resources. After all, they are businesses that exist for profit and want to recover their initial investments.
As a result, insurance excludes items that some people might seem frivolous and only covers the essentials with their health insurance, such as treatment for terminal illnesses, annual examinations, and medical emergencies.
On that list, cosmetic surgery comes first, medical procedures performed solely to improve a patient’s looks.
Liposuction, for example, is not typically covered by insurance. Liposuction is generally regarded as a cosmetic procedure that is not medically necessary. Liposuction may be covered by insurance in some cases, such as to repair an injury or malformed body part.
You’ll have to make a case with Medicare to get coverage. Don’t give up if insurance refuses to cover liposuction.
Other insurance-covered services and procedures may be beneficial to your condition. Speak with your doctor about your options.
Does insurance cover liposuction? Frequently Asked Questions (FAQ)
- Is Lipo going to leave scars?
Scars from liposuction can occur, but they are usually minor. One of the primary advantages of this fat removal surgery is that the incisions are small, resulting in small liposuction scars.
The degree of scarring, however, is determined by the patient’s inherited scarring tendency as well as the surgeon’s technique.
- How painful is a liposuction procedure?
How much discomfort will I experience with the following liposuction? Pain differs greatly from person to person.
Most people describe it as having a large bruise in the treated area. It should not be so severe that it prevents you from concentrating on other activities (such as reading, watching TV, walking, and so on).
- Liposuction can remove how much fat?
The most fat that can be safely removed with liposuction is six to eight pounds (three to four liters). The risk of complications increases as the volume of fat removed increases.
- How long does Liposuction last?
The answer is that liposuction is permanent, but if you do not modify your eating habits, you may gain weight in the treated areas in the future.
Understanding how fat develops in the body should help you answer this question. Your body only has a limited number of fat cells.