What does your insurance cover when it comes to plastic surgery? We have already reported that some private health insurers are rejecting claims when it comes to any plastic surgery, even approved reconstructive surgery, see this article.
There has always been some confusion between Reconstructive Surgery and Cosmetic Plastic Surgery. The term “Plastic Surgery” can actually refer to both of these, but they are very different things. Reconstructive plastic surgery refers to an operation or procedure undertaken to fix abnormalities, deformities, defects, burns, laceration or scar repair, physical effects from disease or trauma or repair normal bodily function. The majority of these are “necessary” surgeries to give the patient a quality or comfort of life they may not have had otherwise. Cosmetic Plastic Surgery, on the other hand, is an operation, treatment or procedure to enhance one’s appearance where no previous issue exists. Herein lies the confusion when it comes to what is and is not covered by insurance. What one person or doctor may see as a “problem” may be seen as purely aesthetical by the insurance company.
Medicare tends to cover most Reconstructive Surgery, even if it is only through the public hospital system which may involve long waits. However, many insurance policies have tight restrictions or exclusions on any plastic surgery. As there are over 1600 plastic and reconstructive surgical procedures in the Medicare Schedule you really want to be clear on what you are covered for. Even if you think you are covered for a specific procedure, identify if this means public or private hospital cover, before and/or after surgery care and any other associated costs. Also, keep in mind many insurance companies do not cover any plastic surgery procedure if it is seen as a “pre-existing” condition, so they have a clause specifying no cover for any procedure within a 12 month period of becoming covered. As each insurer is different, make sure you approach your insurer directly and be specific about inclusions and exclusions.
It is great that the Australian Government is becoming more aware of the need for more regulation in the area of plastic surgery and insurance, however as the insurance companies are still catching up when it comes to the demand in today’s age for plastic surgery, it is up to you to be diligent and specific when it comes to exactly what you are being covered for.
Find a qualified Australian plastic surgeon here.
Trish
Trish is a plastic surgery blogger. She is passionate about wellbeing, health and beauty, and doesn't mind a little bit of 'help' from the amazing cosmetic and beauty procedures that are available today. Trish spends her days talking to women and men who are looking for suggestions and advice on procedures that are available to them. Cutting through the sales pitch and hype, a down-to-earth response on general information is what you will get.
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Can you please tell me if you think my private health and Medicare would help pay some of the costs of a tummy tuck / abdo repair ( sorry can’t remember the name )
I have had three children and over them out on 50kgs I’ve lost 40 of the 50 and kept it off but can’t get the bottom of my tummy to do anything – I have internal repair from having the last baby as well but have been told this surgery may also help with bladder as well
Thanks
Hey Emily
The rules changed on 1April this year. I’m not a professional, I’m a consumer (like you!) but I’m pretty sure as I understand it you would be eligible for some medicare rebate or assistance. I’d suggest you go and see a plastic surgeon and discuss your options for a body lift or other surgery you might need. I’m happy to help you find someone if you need. Just let me know where you’re located. You can also call the office during office hours 0429 264 811.
Trish
I would like to know what insurance companies do cover people to have an abdominoplasty or tummy tuck because I am finding it hard to find one.
I realise there will be a stand down period of maybe 12 months or so but that is not a problem I have had this saggyness most of my life, but just more noticeable since I had a gastric bypass around seven years ago. The thing is
the specialist I went to see told me to get some insurance in case I had complications that I could not afford to pay for, during or if I did have a tummy tuck. Do you think you could help me please I live in Perth WA.
Hi Ben
As far as I understand if the procedure you are having attracts an item number your health fund (provided you have hospital cover) will cover the hospital expenses. Your first step would be to check with your surgeon what the item numbers are and then follow up with a couple of insurance companies to see which of them cover that item number.
Hope that helps.
hi
my right side of my face appears to of dropped, especially noticed around eyes and mouth. I was wondering if it is possible it is cover with your health insurance
Hi Deborah
No cosmetic surgery if covered as far as I am aware, BUT if it’s a functional issue, there may be entitlements – AND the only way to find out is to have a consultation with a plastic surgeon. You can go to the directory of the PSH site.
Hope that helps.