Cosmetic procedures were once seen as something only the elite and wealthy in Hollywood could afford to undergo. But in modern times, cosmetic surgery is more accessible and financially possible than ever.
Additionally, many clinics now offer financial payment plans to allow for incremental payments rather than charging the full cost up front. Plus, in Canada, many of the most popular plastic surgeries can be covered by Medicare – with one outlet. The procedure should often be seen as necessary, not just cosmetic.
So while a FUE hair transplant in Toronto can be a transformative procedure to restore full hair, it is unlikely to be covered by health insurance.
However, here are seven procedures that may be covered by Canadian Medicare.
Although an elective nose job is not likely to be covered by health insurance, the procedure is usually covered when circumstances such as injury or breathing problems arise. This can include a rupture or a widespread condition known as a deviated septum.
A deviated septum is a condition in which the septum of the nose deviates to the side, preventing proper air flow through the nasal airways. This condition can be present from birth or form if the nose is injured.
Beware though, as most insurance will only cover the necessary reconstructive aspects of the procedure, and any additional cosmetic changes are likely to come at a cost to you.
Removal of breast implants
Although implants are not covered by health insurance, removing them from a person can be.
Generally, implant removal will be covered in the event of infection or other health complications or if removal is deemed necessary if a person is diagnosed with breast cancer and a mastectomy is required.
A simple mole is unlikely to be covered by Canadian Medicare. However, if a mole appears to become cancerous or causes irritation, itching, or obstruction of vision, health insurance may begin to cover part or all of the procedure.
Weight loss procedures
Depending on where you are in Canada, bariatric surgeries, also known as weight loss surgeries, may be covered. OHIP, for example, covers these procedures in Ontario. However, a patient must first meet certain requirements, such as having a BMI over 40 and not losing weight through medically supervised programs to prove that assistance with surgery is needed.
Breast reductions are generally covered across Canada for back pain, spine problems, rashes, or other common complications. The procedure must, in general, be pre-approved by insurance before surgery to ensure coverage. Additionally, depending on the procedure, other cosmetic procedures aimed at improving the surgical appearance of the procedure, such as chest liposuction and breast lift, may not be covered. British Columbia, for example, covers liposuction, but Ontario generally does not.
A cosmetic tummy tuck to treat some post-pregnancy loose skin on the stomach is unlikely to be covered by insurance. However, if there is an abundance of loose skin after extreme weight loss, elimination may be deemed necessary by insurance. Often times, the skin would have to cause complications such as irritation, infection, or mobility issues for this to happen.
Droopy eyelids are a common sign of aging in the eye area. Although minor cases of this condition cause only an appearance of cosmetic fatigue, the disease can progress to the point of obstructing the vision of the eye and creating an impairment that prevents daily tasks such as driving, reading and work. In these cases, many Canadian insurance companies will cover the procedure.