Will Insurance Cover Cosmetic Surgery?

According to a report from the American Society of Plastic Surgeons, Americans spent more than $16 billion on cosmetic surgery in 2016. With every dollar spent there was probably a lot of concern about how these surgeries would be paid for. This might have lead people to ask if insurance will pay for the surgery.  Chastain Agency Inc. wants the people of Cleveland, Cornelia, and Gainesville, GA to have the answers they are searching for so the following information is intended as a resource if you are considering plastic or reconstructive surgery

Will Insurance Cover Cosmetic Surgery?

You might assume that your insurance company will not pay for cosmetic surgery, but every insurer has their own rules. Every health insurance company has one or more policies which have different terms and conditions. Your health insurance company may pay for cosmetic surgery; so don’t make the assumption that they won’t pay for it.

When Will Insurance Pay for Cosmetic Surgery?

Whether insurance will pay is entirely dependent on your insurance company. The reason for your surgery will play a big factor in whether insurance will cover it or not. Sometimes people have a need to have cosmetic surgery for reconstructive purposes. When that is the case, your insurance company may cover the cost of the procedure. Most insurance companies have the same operating definition about cosmetic vs. reconstructive surgery.


  • Cosmetic surgery is a surgical procedure to enhance a person’s appearance or improve self-esteem.
  • Reconstructive surgery is performed when a person has abnormal structures due to infection, trauma, or congenital effects and is meant to help a person live a more normal functional life. 

We at Chastain Agency Inc. hope this is helpful information and want the people of Gainesville, GA and the surrounding areas of the state to call or email if they have any questions about cosmetic surgery and insurance.