Planning For The Cost Of Breast Enhancement

The first step is of course finding out what insurance will cover. In most cases, breast augmentation procedures will not be covered, although some insurance companies will cover costs related to rupture or other need to remove the implants. It is also important to find out what impact, if any, having breast augmentation will have on your current insurance policy. Some companies have been known to drop clients after they received breast augmentation while others only increased their premiums for such women.

Breast reduction surgeries can often be completely or at least partially covered by medical insurance when recommended by a physician other than a plastic or cosmetic surgeon. For example if your breasts have been causing you back pain, spine deformities, neck pain and headaches then you will be able to have a doctor professionally recommend that you get a breast reduction and then it will be deemed medically necessary by your insurance company. For women who have had mastectomies as a result of breast cancer, The Women's Health and Cancer Rights Act (WHCRA) has been able to ensure breast reconstruction will be covered by insurance for most cases.

During your consultation you will probably ask your surgeon what their cost or fee is. It is during this conversation you should be sure to ask what the fee includes, as some surgeons or facilities do not include the cost of anesthesia, the actual cost of the implants, any hospital fees or any supplies or medication that you may need during your recovery.

Also because implants are not designed to last forever and need to be removed between 10 to 15 years after getting them, you will need to keep in mind costs of removal as it can sometimes be more expensive than putting them in. You should be prepared for removal at any point from the time of your surgery to the time they should be taken out. This is because the implants could rupture at any time and even though your actual implants may be warranted, the warranty generally does not cover surgery or hospitalization costs.

Other additional costs to keep in mind when considering breast enhancement might include additional surgeries, scans and any follow up visits to your surgeon or doctor. In the case of silicon gel-filled implants you will be required to get an MRI of your breasts three years after your surgery and then every two years after that. This is because it is much harder in these type of implants to notice any leaks or ruptures. They also make it harder to see any irregularities on a regular mammogram, so additional methods may need to be used so you will want to see what your insurance will cover.

When selecting a surgeon, be sure to check their credentials. An unqualified surgeon might cost a little less, but often times this is a case where you get what you pay for.

Once you have your total cost calculated, you will want to figure out how to best budget for your surgery and all that goes along with it. Many surgeons and surgery centers offer a financing plan, so if you are able to find several certified surgeons and you are debating between them, find out what kind of financing their offices offer. The interest rates offered by these financing plans may be a bit high, so you might consider trying to apply for credit card that offers a promotional 0% or very low interest rate to finance your surgery on.

Perhaps the best way to budget for your breast enhancement surgery, if you are able, is to save the money before the surgery. This amount should cover surgeon fees, implants if needed, any hospital fees, medication and your follow up visit. After your surgery you will want to start saving up again for your implant removal if you are getting a breast augmentation.
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Source: http://www.articlesbase.com/plastic-surgeries-articles/planning-for-the-cost-of-breast-enhancement-5556552.html