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Breast reconstruction and health insurance options

Thousands of women are diagnosed with breast cancer each year, and often the cancer cannot be removed by lumpectomy. Breast cancer or breast trauma can damage your self-image and self-confidence. If you have had breast cancer or other accidents that have altered the shape of your breasts, a plastic surgeon can help rebuild your breasts and help you regain a sense of symmetry and proportion with your body.

Recent technological advances in reconstruction procedures provide many options for women facing a mastectomy. The reconstruction process may involve the use of saline or silicone implants as prostheses, or even the body’s own tissues in the abdomen. Before your surgery, be sure to discuss your reconstruction technique with your surgeon and determine which option is best for you.

Understanding the cost of the procedure is very important, because costs can vary depending on the experience of the plastic surgeon and the geographic location of the surgery. Costs include fees paid by the surgeon, hospital costs, anesthesia, prescriptions, any special clothing or dressing needs, medical tests or x-rays.

Even though surgery fees can be expensive, you should always choose a reputable plastic surgeon who has had considerable experience in the field or with breast procedures and has met the appropriate training requirements. Ask to see his record of success in plastic surgery.

If you are recovering from cancer and need reconstructive surgery, your provider must cover much of the cost. Many surgeons offer financing plans to help alleviate some of the costs. Check with your plastic surgeon and health care provider to determine if your plan covers your procedure.

The Women’s Health and Cancer Rights Act of 1998 was established to provide coverage for women whose health plans are not required by state law to cover the costs of breast reconstruction. Women with questions about financial coverage for reconstruction procedures should call their health care provider, the Department of Labor, or their State Insurance Commissioner’s office.

The Federal Breast Reconstruction Act of 1998 states that all health insurance companies must cover reconstruction of the breast during a mastectomy and surgery and reconstruction of the other breast to produce a symmetrical appearance, breast prostheses, and treatment of breast complications. mastectomy, such as chronic swelling. Also, many states have their own unique laws that explain what is covered during a mastectomy.

Before surgery, it is very important that you determine if insurance will cover the costs of surgery. Of course, you don’t want to be surprised by unexpected costs. If you have health insurance, the insurer must pay for your procedure. If you do not have insurance, you should talk to your surgeon and the hospital to negotiate a discounted rate. Many may also qualify for health insurance under the state’s Medicaid program or other low- and moderate-income health coverage programs.

Many women opt for reconstructive surgery after other procedures, other than a mastectomy. However, you should find out if all fees are covered by health insurance. If not, you may have to pay out of pocket. Be sure to talk to your health insurance company and your doctor to understand what fees are covered and to understand the risks of having the surgery.

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