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Paying for Your Breast Implant Surgery

Breast augmentation has retained its position as the #1 cosmetic procedure for several years now. Fuller, well-shaped breasts enhance femininity and improve the way women feel about themselves. However, one of the most important factors to consider before you decide to have breast implant surgery is cost. However, cosmetic breast surgery is an elective procedure and not covered under health insurance. Here are some important things you should know about coverage for breast implants:

  • Health plans do cover breast replacement after a mastectomy
  • If you need further surgery after the replacement, insurance may not pay
  • Having breast implants may affect your insurance rates in the future
  • Some insurers consider breast augmentation surgery a "pre-existing condition" and may deny coverage if you have implants

It is therefore important to clarify your insurance company’s policy before your implant surgery. The Affordable Care Act prevents health insurance companies from denying coverage because of pre-existing conditions. Policies may be different with various insurance companies and so be informed before you sign up.

If insurance is not an option, you have to pay out of pocket. However, paying for breast augmentation surgery should not be a source of worry as established plastic surgery practices provide information about convenient financing options offered by reputed financing companies. Such companies offer flexible patient payment plans. They pay for your procedure and allow you to repay the amount in monthly installments along with interest. All you have to do is fill out an application form and get prior approval before you decide to go ahead with the surgery.