Does Insurance Pay For Breast Reduction?

30 Second Answer

No, insurance does not pay for breast reduction.

It is a common misconception that health insurance will cover the cost of breast reduction surgery. However, this is usually not the case. Health insurance companies typically only cover breast reduction surgeries that are considered to be medically necessary. The criteria for what is considered medically necessary can vary from company to company, but usually includes things like chronic back pain or other health problems that are exacerbated by the size of the breasts. In order to be eligible for coverage, you will typically need to provide evidence of these health problems to your insurance company.

There are a few exceptions to this rule. For example, some states have laws that require insurance companies to cover breast reduction surgery if it is deemed medically necessary. Additionally, some employers may provide coverage for breast reduction surgery as part of their employee health benefits package. However, these situations are relatively rare.

If you are considering breast reduction surgery and are hoping that your insurance will cover the cost, it is important to do your research ahead of time and contact your insurance company directly to find out what their policy is. In most cases, you will be responsible for paying for the surgery yourself.

Some final thoughts on the matter…

While health insurance may not cover the cost of breast reduction surgery in most cases, there are still options available for financing the procedure if you feel it is right for you. There are a number of medical credit cards that can be used to finance surgeries like this, and many doctors’ offices also offer financing plans with low or no interest rates.

Additionally, some employers may be willing to cover part or all of the cost of the surgery as part of an employee health benefits package – so it’s always worth checking with your HR department to see if this is something they would be willing to consider. Ultimately, the decision whether or not to have breast reduction surgery is a personal one and should be made based on what is right for you and your unique situation.


Most insurance companies will not cover elective procedures such as breast reduction surgery. Some may make an exception if the procedure is medically necessary, such as if the breasts are causing back or neck pain. In this case, the insurance company will likely require documentation from your doctor to support this claim.

What is breast reduction surgery?

Breast reduction and lift surgery also called a reduction mammoplasty, is a procedure to remove excess breast fat, glandular tissue, and skin to achieve a breast size in proportion with your body. It also involves moving the nipple and areola into a higher position. The goal of this operation is not only to reduce the size of your breasts but also to improve their shape and improve your ability to remain active without chest pain or discomfort.

In some cases, you may be able to have insurance cover all or part of the cost of your breast reduction surgery. To do this, you will need to get prior approval from your insurance company. This typically involves sending them photos of your breasts, as well as information about your medical history and the reason for wanting the surgery.

What are the benefits of breast reduction surgery?

There are many benefits to breast reduction surgery, both physical and emotional. First and foremost, the surgery can significantly reduce the pain and discomfort that many women with large breasts experience on a daily basis. This can include back pain, neck pain, and headaches. Additionally, the surgery can help improve a woman’s posture and make it easier to participate in physical activities.

Many women also report feeling more confident after breast reduction surgery. They feel better about their appearance and no longer feel self-conscious about their breasts. This can lead to improved self-esteem and a better quality of life overall. If you are considering breast reduction surgery, be sure to discuss all of the potential benefits with your surgeon.

What are the risks of breast reduction surgery?

Most insurance companies will not pay for breast reduction surgery unless it is performed for medical reasons. In order to get insurance coverage, you will need to obtain a letter from your doctor stating that the surgery is medically necessary. The most common reason for this is back pain caused by large breasts. Other reasons may include neck pain, skin irritation, and difficulty exercising.

There are some risks associated with any surgery, and you should discuss these with your doctor before deciding to have breast reduction surgery. These risks include infection, bleeding, and adverse reactions to anesthesia. There is also a small risk that the breasts will not be symmetrical after surgery or that you may be dissatisfied with the results.

How much does breast reduction surgery cost?

The average cost of breast reduction surgery is $5,000, but this price will vary depending on a number of factors. These include the surgeon’s fee, the facility fee, the anesthesia fee, and the cost of any post-operative care. The total cost of breast reduction surgery will also be affected by the size and location of the practice, as well as the individual surgeon’s experience.

Some insurers will cover part or all of the cost of breast reduction surgery if it is considered medically necessary. To determine whether your policy covers breast reduction surgery, you will need to contact your insurance provider and ask about their coverage for this procedure. You should also be prepared to provide documentation from your surgeon that outlines why breast reduction surgery is necessary in your case.

Does insurance cover breast reduction surgery?

It’s possible that your insurance company will pay for all or part of your breast reduction surgery. In order for this to happen, you’ll need to get prior approval from your insurer and meet certain requirements.

Breast reduction is usually considered a medically necessary procedure if you have large breasts that are causing physical problems such as neck and back pain, skin irritation, or difficulty exercising. If your breast size is impacting your quality of life, your insurance company may be more likely to approve coverage.

In order to get approval from your insurance company, you’ll need to submit documentation that shows that you’ve tried other methods of relieving your symptoms (such as medication, physical therapy, or changes in your bra wardrobe) and that these methods haven’t been successful. You’ll also need to have a letter from your doctor outlining the medical reasons why breast reduction surgery is necessary.

If you’re considering breast reduction surgery, it’s a good idea to check with your insurance company beforehand to see if coverage is an option.

What are some alternative methods to reduce breast size?

There are a few alternative methods to consider if you are looking to reduce breast size. One option is to wear a compression garment, which can help to temporarily reduce the appearance of breast size. Another option is to undergo liposuction, which can remove excess fat from the area and help to reduce breast size. Finally, you could consider surgery, which would be the most permanent option but also the most expensive and invasive. Ultimately, it is important to discuss all of your options with a medical professional to determine which method would be best for you.

What are the long-term effects of breast reduction surgery?

Although the long-term effects of breast reduction surgery are not well known, the procedure has been shown to have a number of potential benefits. These benefits include a reduction in back and neck pain, an improvement in self-esteem and body image, and an increase in physical activity. Additionally, breast reduction surgery may also help to improve breathing and reduce the risk of developing breast cancer.


From the research conducted, it appears that insurance companies are increasingly starting to cover breast reduction surgery. However, coverage is still far from universal and depends on a number of factors such as the patient’s age, weight, medical history, and the severity of their condition. In general, it seems that insurance companies are more likely to cover the surgery if it is deemed medically necessary.

If you are considering breast reduction surgery and would like to have it covered by your insurance, your best bet is to consult with a plastic surgeon who is experienced in working with insurance companies. They will be able to advise you on the best course of action and help you increase your chances of getting coverage.

Kylie Mahar

Kylie Mahar is a financial guru who loves to help others save money. She writes for, and is always looking for new ways to help people make the most of their money. Kylie is passionate about helping others, and she firmly believes that financial security is one of the most important things in life.

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