Insurance Coverage for Mole Removal

Moles are mass of cells with darkened melanin or pigment. You could have small or large moles which can be unsightly or they might just appear in an embarrassing area. What do you know about the insurance coverage for mole removal? If you are thinking of getting a mole removed and want the cost to be covered by your medical insurance company, then you have to discuss this matter with your primary care provider or dermatologist. Your family doctor could refer you to a plastic surgeon or a dermatologist, depending on the type of mole. Find out more below.

Certain mole removal procedures are covered by health insurance policies, but the procedure and the provisions in the policy usually determine whether or not the insurance coverage would apply. So, you need to ensure that the cost for your procedure is covered by the insurance company before making a decision.

It is important to point out that the mole removal cost will depend on if it’s regarded as a cosmetic problem or a necessity. An insurance company might cover the removal cost if you were born with a mole that is bothering your appearance and you are able prove that it’s psychologically intrusive. In most cases, a dermatologist will charge more for non-dangerous moles which are removed entirely for cosmetic reasons and are less likely to be paid for by the insurance provider than the suspicious looking moles. Bear in mind that dermatologists try not to take unnecessary chances with the atypical moles due to the increase of skin cancers, especially Melanoma.

Now, you are more likely to get insurance coverage for mole removal if it’s a potentially life threatening case that is seen as a necessity. If a plastic surgeon is removing a cosmetic-problem mole with lasers, you might have to stand the cost if you are unable to prove that it’s interfering with your looks and lifestyle. You could end up paying thousands of dollars. One of the ways to get your insurance company to cover the cost is if you are referred to a medical psychiatrist who can state that the mole is definitely having an adverse effect on your life. He or she can give you a recommendation for your insurance company to cover the cost for the mole removal procedure.

Last but not last, if you are not getting insurance coverage for mole removal you have the option to pay the cost out of pocket or visit a local clinic or hospital to get it done, just like with insurance coverage for dental implants. This procedure is basically the same, except from the fact that you are likely to end up with small white scars. Depending on the look of the mole, you might have to wait for a longer time.