Can insurance cover laser resurfacing if it's causing me problems emotionally ?

Question

I have pretty bad scars on my cheeks and forhead from acne in the past...It causes me to have alot of anxiety. I hate going out and meeting anyone new. I am soooo paranoid about my scars. I got my picture taken with my three sons and never went and bought the pictures because I couldn't even look at myself in the pics. I am thinking about them constantly. I will NOT go anywhere without makeup. I won't take classes or do anything out of my comfort zone all because of my self conciousness about the scars. I know I need to get laser resurfacing so that I can live my life again. I just can't afford $6000! That's alot! I know something needs to be done...oh and by the way I was put on antidepressants and nothing made me feel better so I got off them after 7 months. My kids will be in school soon and I'm going to have to start facing alot of new people. I HOPE that there is insurance that would cover this :( If anyone has any info on this PLEASE advise! Thanks :)

Answer 1

Insurance is for conditions that are medically necessary. The exception to this rule is if you lost a breast due to cancer, your insurance would pay the cost for reconstructive surgery to the breast that was removed. It will also usually help pay for wigs if you lost your hair due to chemo. If it bothers you that much, you can finance the cost of the laser treatment, and it will be worth it to you. Good luck, and God bless.

Answer 2

Cosmetic Surgery is generally not covered. There can be times when it is considered medically necessary for example, breast reduction surgery if it is causing back problems or eyelid surgery, if the eyelids are drooping so severely, it is causing vision problems.

Each case would have to be evaluated individually. In your case, you would likely need to have a psychiatrist or other doctor state that it is medically necessary because it is causing mental health problems. Even then, the insurance is likely to deny the claim.

I will also say this to you. All of us look in the mirror every day and we're all our own worst critics. Everyone wishes there was some way to change something about ourselves. My guess is other people don't see you looking nearly as bad as you yourself do. You have three beautiful children that love their Mom just the way she is so stop being so critical of yourself. Work on making yourself beautiful on the inside. Work on the things you can change. Whenever I get down about something going on in my life, all I have to do is turn on the news and I realize there are so many people out there that are much worse off than I am so my life isn't quite as bad as I thought it was.

One other thing. If you really want to have this surgery, start setting a little money aside each month into a separate savings account and save up for it. If you have a goal, it's a lot easier to save.

Good luck.

Answer 3

no... Most plans say that cosmetic procedures aren't covered solely for mental health reasons. And, most mental health plans won't cover medical procedures under mental health plans. You may be able to file it under a flex reimbursement plan... Or, get on a payment plan with the doctor, good luck

Answer 4

No, it's cosmetic. The ONLY time cosmetic procedures are covered, is if it's restorative in nature - that the damage was due to surgery or an accident.

Answer 5

I'm very sorry, but it's doubtful. Most health insurance companies will only cover items that are deemed "medically necessary" but it might be worth your time to call the insurance company and ask for sure.

Good luck to you!

Answer 6

no....but most cosmetic surgeons offer payment plans.

Answer 7

SORRY NO..