Breast implant surgery and treatment of complications may not be covered by your health insurance. Typically, insurance companies will not cover breast augmentation or any repeated operations and additional doctor visits following augmentation. However, most insurance companies cover the first breast reconstruction operation. Insurance coverage for repeated operation procedures or additional doctor visits following reconstruction may not be covered, depending on your insurance policy.

Except insurance coverage particular to your surgery, you need to learn about how breast surgery will affect your health insurance in the whole. For some women, companies may enlarge premiums, go down coverage, or reject future coverage following breast implant surgery and subsequent complications from the breast implants or surgery. Coverage policies may also vary from year to year.

Before surgery, be sure to get, in writing form, answers from your insurance company  at a minimum to the following questions:

    * Does my policy cover the costs of the implant surgery, the implant, the anesthesia, and other related hospital costs? To what extent?
    * Does it cover removal and replacement of the implants if this becomes necessary? To what extent?
    * Does it cover the cost of detecting or treating a complication as a result of either the implant or the reconstruction? To what extent?
    * Will there be an increase in my insurance premium? To what extent?
    * Will future coverage be affected? To what extent?

In addition to gathering information from your insurance company, you should also ask your doctor to provide cost information such as:

    * What are the costs of getting breast implants (the implants, the anesthesia, the surgery, etc.)?
    * What are the costs for follow-up visits?
    * What are the costs for detecting or treating a complication, especially treatment that involves a repeated operation, such as implant removal with or without replacement?
    * What is the specific manufacturer warranty for the implants that you are gathering information on?