Are Elective Surgeries Covered By Insurance?

Health insurance is a crucial part of staying healthy and protecting yourself from unexpected medical costs. But when it comes to elective surgeries, do you know if your health insurance will cover them? It’s not always obvious what exactly is covered by insurance, and many people are surprised to find out that some elective procedures may in fact be covered by their policy.

In this blog post, we’ll explore the ins and outs of elective surgery coverage under health insurance policies. We’ll discuss if and when certain types of elective surgeries might be covered, common factors that influence coverage decisions, and things to consider before going ahead with a procedure. Let’s get started!

What is an elective surgery?

An elective surgery is a medical procedure that is not medically necessary but may be recommended by a doctor for personal or cosmetic reasons. Many insurance companies do not cover elective surgery, so it is important to check with your insurance company before scheduling the surgery.

Why aren’t elective surgeries covered by insurance?

There are a few reasons why elective surgeries may not be covered by your insurance plan. First, your insurance company may not consider the surgery to be medically necessary. This means that the surgery is not required to treat an existing medical condition and is instead considered a cosmetic procedure.

Secondly, even if your insurance company does consider the surgery to be medically necessary, they may not cover the entire cost of the procedure. They may only cover a portion of the cost, or they may require you to pay a deductible or coinsurance before they will cover any of the costs. Lastly, some insurance plans simply do not cover elective surgeries at all.

If you’re considering an elective surgery, it’s important to check with your insurance company beforehand to see if they will cover any of the costs. Even if they don’t cover the entire cost, you may still be able to get some financial assistance from them.

What are some examples of elective surgeries?

There are a variety of elective surgeries that are not considered medically necessary, but can greatly improve the quality of life for patients. Some examples of elective surgeries include:

-Breast augmentation
-Rhinoplasty (nose surgery)
-Tummy tucks

How can you pay for an elective surgery?

If you’re considering an elective surgery, you may be wondering about the cost. Here’s what you need to know about paying for an elective surgery.

Most insurance companies will not cover the cost of an elective surgery. That means you’ll likely have to pay for the surgery yourself. The good news is that there are a few options available to help make the cost more manageable.

One option is to finance the surgery through a medical loan. This can be a good option if you have good credit and can get approved for a low interest rate. Another option is to use a flexible spending account (FSA) from your employer. This allows you to set aside pre-tax dollars to use towards qualifying medical expenses, including elective surgeries.

Finally, some surgeons offer payment plans for their patients. If this is something your surgeon offers, be sure to ask about all the details before moving forward. This way you can be sure you understand everything involved in the agreement.

No matter how you choose to pay for your elective surgery, be sure to do your research ahead of time so you know what to expect financially.


Elective surgeries can be life-changing and essential to a person’s health and well-being, but it is important to understand your insurance coverage before making the decision. Insurance companies vary on what types of elective surgeries they will cover as well as any associated costs. It is important that you do your research and talk with your provider in order to determine if elective surgery expenses are covered by your insurance plan.