Will health insurance cover my breast reconstruction surgery?

Yes, most insurance carriers cover reconstruction.
In general, private insurance that covers medically necessary mastectomies will also cover breast reconstructive surgery. Insurance coverage for re-operation procedures or additional surgeon visits following reconstruction may not be covered, depending on the policy. For example, a re-operation may include temporary removal of the implant to facilitate the oncologist’s ongoing surveillance for breast cancer recurrence.

Because coverage policies vary and can change over time, we can’t offer guidance with respect to coverage under any particular health plan. We recommend that you contact your health plan provider to obtain specific information regarding its coverage policies before deciding to proceed with reconstructive surgery.

Note: When you talk to your health insurance carrier, we suggest keeping records of your conversations and all written communications. They may help with future concerns or coverage discrepancies.