Because removing acne scars may be considered, by some insurance providers, as a cosmetic procedure, it may be difficult to get an approval. If you are considering a procedure that will aid in removing acne scars, the best way to learn if your medical insurance covers this type of treatment is to review your policy. Whether your insurance is provided through your employer or you obtained it directly from an insurance provider, you should have a detailed overview of your coverage. Many providers do not cover the cost of cosmetic treatments and/or surgeries, which are often deemed as cosmetic or plastic surgery. If you still have questions after reviewing your policy, call your insurance agent to inquire about coverage.
If coverage is in question, it may help to have your physician provide a written recommendation to your insurance company. This letter should include the physician’s name, contact information and his/her determination and recommendation regarding treatment to help in removing acne scars. Once this letter is submitted to your insurance company, a response should be given within 30 days. This can either be to the physician directly or to you, but the insurance company will reply with an acceptance or denial.
In the event that you request for medical insurance coverage relating to removing acne scars is denied, there may still be other options. For instance, if your condition warrants laser surgery for removing acne scars, the hospital may offer a payment plan to help cover the cost of the procedure. Many hospitals provide this type of financing to help their patient’s afford treatment that would otherwise be unavailable to them due to lack of medical insurance. In order to be granted a payment plan, you would have to first determine whether or not one is available. This can be found at the hospital’s billing office. If payment plans are available, your physician would have to determine a total cost for removing acne scars and provide it to the billing office. Following the procedure, the hospital would issue a bill and, if you are signed up on a payment plan, would give you the opportunity to make low monthly payments.
The information in this article is intended for informational purposes only. It should not be used in place of, or in conjunction with, professional medical advice. Prior to beginning any attempt at removing acne scars, individuals should consult their dermatologist for proper diagnosis and/or treatment.
