will a new health insurance policy pay for a breast reduction?

Question

my husband has a very small business and we do not have any health insurance, we have a general physician that we rarely need. I was wondering if there is any time limit on how long you need to have coverage should you opt for a breast reduction. I am a size 36DD, my breast are really huge and they hurt like helll. I don't like them touched and my back it beginning to hunch over little by little. my shoulders have indentions in them because of the weight and I can't go jogging without being tied up with something. I can't sleep on my stomach at night because its like I am sleeping on two canteloupes. I really need a breast reduction. If anyone knows anything helpful please enlighten me as this will improve the quality of my life.

Answer 1

The moment your health insurance comes into affect is the very moment you can go to a PS and have them send in the information to your insurance company for approval.

I was with United Healthcare for a short time before I went to see a few PS's for a breast reduction and I was approved in no time. I did not need any documentation from my family doctor or any type of weight loss or chiropractic appointment, but EVERY insurance company and plan is different. You may get word back from the insurance company that you need to lose weight (which is hard and did not work for me), or you need other medical documentation. You will never know if you need this unless you get word back from the insurance company.

With your back pain and sore breasts, make sure you complain about that.

This site helped me out a LOT with my research and before/after surgery:

http://www.breasthealthonline.com

It has a FAQ section as well as a support board and picture board (which I highly recommend applying for it is TOTALLY worth it!).

Answer 2

It depends. I was denied by 2 insurances. Cigna and BCBS of IL. They both told me I wasn't big enough and didn't meet the criteria. I fought with both insurances but still was denied. This year, I started a new job and now have Federal BC/BS. I was approved on the spot. They took out 1.5lbs from each side, well over the criteria for the previous 2 insurances. I was a 32DDD/E and I will be a C as soon as the swelling goes down and I finish healing. Right now I am still a D cup. My insurance covered it 100%, but it was a 5 year fight to finally get one and it was the best decision I ever made. I am very happy with the results. Good luck!

Answer 3

Many insurance companies will pay for medically necessary breast reduction surgery. Research the companies' benefits before you sign up.

And sleeping on your stomach is bad for your back anyway!

Answer 4

as long as your doctor deems the surgery to be medically necessary insurance should cover it, no matter how short a period of time you have had that particular insurance. Mine was covered 100% due to the doc's recommendations. Good Luck.

Answer 5

doubt that any insur. policy new or old will cover this unless its deemed medically necessary by your physician. otherwise its considered cosmetic or elective surgery. read the fine print on all ins. policies, some have 6 mos to 1 yr of noncoverage for preexisting conditions too, so on the slight chance it would get some coverage youd have to wait. michaela fraze

Answer 6

It would probably depend on the company and what kind of policy you get. You also need a dr to state you have a medical reason for having this done. I would say having back problems is a good medical reason. Good Luck!

Answer 7

It normally is considered medically necessary if you're having back pain, etc, which you are.

Answer 8

my sister had a breast reduction because she was having back pain. try comlaining of that.

Answer 9

No. Unless it is medically necessary for your health.