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How much will your HMO cover? If you're talking about a heart attack, probably a few days in the hospital. If you're talking about colon cancer, possibly the cost of an out-patient operation.
But if you're asking about their possible coverage for cosmetic eyelid surgery-- well, is it possible that you've been living on another planet?
Yes, we know what you heard from your best friend who underwent "free" eyelid surgery fifteen years ago during the Golden Age of Medicine. And yes, we know that your insurance policy probably contains a paragraph of fine print that mentions something about coverage for eyelid surgery undertaken to correct "significant changes that impact on vision or the health of the eyes".
Well, get ready to face the music. Unless your cousin happens to be the Utilization Review Coordinator for your insurance carrier, your HMO, PPO, Medicare, or any other insurance company is not going to pay for cosmetic blepharoplasty. By its very definition, "cosmetic" surgery implies surgery undertaken with the primary goal of improving appearance, and surgery undertaken for such a reason is excluded from coverage.
Here's where some confusion may arise . . . |
