Well, let me tell you, this whole insurance thing, it’s a real head-scratcher. My old eyes ain’t what they used to be, and I been squinting at these papers for days. Does insurance cover cosmetic procedures? That’s what I’m trying to figure out. Seems like a simple question, right? But it ain’t. Not one bit.
Now, I heard from folks down the road that if you want to get some work done, like fixing a nose or something, insurance might not cover it. That’s what they call cosmetic surgery. Like getting a new paint job on an old car. You ain’t fixing anything broken, just making it look nicer. So, that’s mostly not covered I think.
They say insurance is more for when you’re sick or hurt. You know, like when you fall off the tractor and break your arm, or you got some ailment that needs fixing. That is medical necessary. Insurance is usually for those kinds of things. They call it reconstructive surgery. If your doc says you need it, insurance might chip in.
But this whole cosmetic thing, well, if you just want to look a little younger or a little different, you’re probably gonna have to pay for it yourself. It is not medical necessary. That’s what I’ve been hearing, anyway. It is like buying new curtains for the house. It’s nice to have, but you don’t really need ’em.
There is another thing called Botox. I heard they use it to make your face look younger. Or they can treat some illness. If it is for looking, I think it is not covered. But if for illness, then maybe covered. But I am not sure about it. You need to check with your insurance to see if they will pay for it.
Here is what I get from all of this:
- Cosmetic surgery is usually not covered by insurance. It is for looking, not for health.
- Reconstructive surgery is more likely to be covered. If you need it for a medical reason.
- If you just want to change how you look, you’ll likely have to pay for it yourself.
- Botox is a thing that may or may not be covered. You need to check it.
So, if you’re thinking about getting some work done, you best talk to your insurance company. They’re the ones who really know the rules. You gotta read the fine print, they say. It’s all in there, somewhere. They have a website thing, with all the rules and such. You can find doctors there that are good for your insurance. I don’t know much about the computer stuff, but maybe your kids can help you look it up.
I remember my neighbor, she wanted to get her nose fixed. Said it made her self-conscious. Doctor said it weren’t a medical thing, so insurance wouldn’t cover it. She had to pay for it herself, every last penny. Said it cost her a pretty penny, too. But she was happy with it, so I guess it was worth it to her.
Then there was old man Johnson, he had a bad accident a few years back. Messed up his face real bad. Insurance covered that, I think. Because it was from an accident. It was reconstructive, you see. They fixed him right up, best they could. He still looks a little rough around the edges, but he’s doing alright.
So, yeah, it’s confusing. This whole insurance and cosmetic procedures thing. You gotta do your homework, I guess. Ask a lot of questions. Don’t be afraid to call up the insurance company and pester them until you get some answers. They work for you, remember that.
My advice, for what it’s worth, is to be happy with what the good Lord gave you. But if you really want to change something, and you got the money to do it, well, that’s your business. Just make sure you know what you’re getting into, and what it’s gonna cost ya.
And remember, beauty is only skin deep. It’s what’s on the inside that counts. A kind heart and a good soul, that’s what really matters. Don’t you forget it.
I hope this helps you some. It ain’t easy getting old, and it ain’t easy figuring out all these rules and regulations. But we do the best we can, right? That’s all anyone can ask for.
So, to answer your question, does insurance cover cosmetic procedures? Probably not. But there’s always exceptions, I suppose. You just gotta dig around and find ’em. Good luck to ya!
