Does Health Insurance Cover Laser Hair Removal for Health Reasons?

Since the cost of healthcare is rising at a breakneck clip, health insurance companies are becoming increasingly stingy. For instance, few health insurance policies cover non-essential "elective" procedures. This forces policyholders to pay for useful procedures out of their own pockets. In most cases, such procedures cost many thousands of dollars and may require ongoing treatment or follow-up visits that can cost even more. Unless a policyholder has a generous income stream or a third-party benefactor, it's unlikely that he or she will be able to secure health insurance coverage for an elective procedure.

Unfortunately, most insurance providers deem hair removal procedures to be "cosmetic" and therefore elective. If you're hoping to get a laser hair removal procedure but can't afford to pay for it out of your own pocket, you have few options for securing coverage. In most cases, you'll have no choice but to raid your savings to shoulder the cost. Alternatively, you might be able to convince a reputable lender to advance you the funds necessary to pay for your procedure. Be careful not to seek the services of a payday lending service that might end up charging you hundreds of dollars in unnecessary fees and interest payments over the life of your loan.

In certain rare circumstances, your health insurance provider might pay for a portion of your laser hair removal procedure's costs. Before you assume anything, read the "fine print" of your policy to determine whether it makes any provision for elective procedures. Certain high-cost group health insurance policies may make some allowances for these types of procedures. If you're a member of an "elite" subset of policyholders within your company's group health insurance plan, you may be able to take advantage of such an allowance.

Alternatively, you could secure an endorsement from a qualified medical professional. In most cases, this will be a hair-growth specialist. You'll need to use this doctor's guidance to argue that your procedure is "medically necessary" for a specific reason.

Unfortunately, it may not be enough to argue that your unusual hair-growth patterns are caused by a specific condition like Polycystic Ovarian Syndrome or an easily-diagnosed genetic disorder. You may actually have to show that the growth of your hair is interfering with your daily routine or circumscribing your ability to find work or housing. Even if it chooses to accept them eventually, your insurance company may not accept such claims during the initial application process.

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