Scar tissue that has grown and elevated at the spot of the wound is known as keloids. They can be unpleasant, ugly, irritating, and in some cases, even restrict movement. The typical treatment of keloid excision can assist in reducing these symptoms and enhancing the skin’s appearance. But for many patients, the cost of keloid removal might be a significant worry. Keloids can make people feel uncomfortable and self-conscious. If you’re considering keloid removal, you may question Does insurance cover keloid removal?
Does insurance cover keloid removal?
Your insurance may cover keloid removal depending on your illness’s severity, insurance type, and treatment options. This article will explain keloid removal insurance coverage so you can choose a treatment.
If the keloid is causing pain or interfering with your everyday life, insurance usually covers keloid removal. Keloid removal may not be covered by insurance if it’s cosmetic.
Your doctor may propose keloid removal if it’s bothering you or interfering with your everyday routine. Insurance may cover the surgery in this scenario. but you’ll need medical evidence to justify the surgery.
Your insurance may not cover keloid removal for cosmetic reasons. Cosmetic operations are elective and not medically required. It’s a good idea to check with your insurance carrier to see whether they’ll cover the operation.
Insurance does not cover Keloid removal; therefore, you must pay for it yourself. The cost of keloid removal depends on its size, location, and removal method. Before deciding, talk to your doctor about the procedure’s cost.
Alternate treatments may be helpful if insurance does not cover keloid removal or the cost is too high. These consist of silicone sheets, injections, and topical medications. Insurance might reimburse these procedures, and can be less expensive than keloid removal surgery.
Is keloid removal considered a cosmetic or medical procedure for insurance purposes?
It depends on each specific case. In some circumstances, some might regard keloid removal as cosmetic surgery. Other circumstances might regard it as a medical procedure.
When a keloid does not cause functional damage or medical concerns, surgeons consider excising it as cosmetic surgery. For instance, if a person’s range of motion is not restricted and there are no health issues caused, then the excision of a keloid scar on an arm would be considered cosmetic surgery. Insurance companies may decline to pay for the surgery in such circumstances.
However, if the keloid causes functional impairment or medical issues, doctors consider keloid excision as a medical procedure. For instance, a medical operation would view the excision of a keloid scar that causes a person pain or breathing problems on their neck. Insurance companies may cover the cost of the surgery in such circumstances.
how to get insurance to pay for keloid removal
The conditions of your insurance coverage and if the keloid is causing functional impairment can affect whether your insurer will pay for keloid excision. You can adhere to the general steps listed below:
Recognize Your Policy: You should examine your health insurance policy to determine what it covers and what it does not cover. Some policies may cover keloid removal if they determine it to be medically necessary. In contrast, other policies may consider it a cosmetic operation, which insurers usually do not cover.
Consult a medical professional: Converse thoroughly about your condition with your doctor. Your doctor can note these problems if the keloid is causing severe discomfort, agony, or functional impairment. When arguing for medical necessity, this documentation may be essential.
Get a letter stating your medical necessity: A Letter of Medical Necessity can be written by your doctor if they concur that the procedure is essential medically. This letter should explain your health needs, the recommended course of action, and your condition.
Preauthorization: Before having the operation, get preauthorization from your insurance provider. According to the information you supply, your insurance provider will preliminarily approve the operation.
An insurance company’s revise policy, which took effect on January 1, 2022, only considers keloid treatment medically necessary if there is document evidence of a severe functional impairment cause by the keloid and the treatment has a reasonable chance of improving the impairment. After 3 days of surgical excision, superficial radiation therapy up to 3 fractions is considered adjuvant therapy for keloid removal if medical necessity is met. This may not apply to all insurers or plans.
Does Cigna cover keloid removal?
Cigna covers keloid removal, but the scope of the coverage varies based on your particular insurance plan. Cigna typically regards keloid removal as a medically required operation if it causes pain, irritation, or functional impairment. Insurance may not cover a keloid that is purely cosmetic.
Cigna Insurance Coverage for Keloid Removal
Cigna insurance covers several different keloid removal techniques.
- Surgical excision: Surgeons have been performing surgical excision for a while, which involves cutting off the keloids and stitching up the wound.
- Cryotherapy: Cryotherapy destroys the aberrant tissue by freezing the keloid with liquid nitrogen. Surgical excision frequently accompanies it.
- Intralesional Steroid Injections: Steroid injections can reduce inflammation and keloids. Other forms of therapy are frequently applied in conjunction with them.
- Laser Therapy: Laser therapy can treat keloids to reduce their size and redness. Doctors frequently use it in conjunction with other medical procedures.
How much does keloid removal cost?
The cost is affected by the keloid’s size, location, severity and the kind of treatment performed.
One of the most popular techniques is the surgical removal of keloids. Depending on the size and location of the keloid, surgery might cost anywhere from $500 to $3,000. Anaesthesia, facility fees, and follow-up appointments could also come at an additional cost.
Using liquid nitrogen to freeze the keloid is known as cryotherapy. Cryotherapy can cost between $100 and $500 each session, and it might take several sessions to get the desired outcome.
3. Laser Therapy
Another alternative for keloid eradication is laser therapy. Depending on the size and location of the keloid, laser treatment might cost anywhere from $200 and $3,000 for each session. Many sessions might be needed, which would raise the entire cost.
Keloids can be reduced with the aid of steroids or other pharmaceutical injections. Injections can cost $50 to $200 per session, and numerous visits might be necessary.
What are keloids?
Keloids are thick, elevated scars caused by excessive collagen production after an injury. They can occur after skin injuries such as burns, wounds, piercings, and acne. Keloids can be pink, crimson, or dark brown and feel firm and rubbery. They’re also itchy, unpleasant, and sensitive.
Keloids result from overactive healing. When wounded, the body creates collagen to restore the skin. The body produces too much collagen in a keloid, raising and thickening the scar.
Keloids are more common and severe in those with darker skin. If a family member has keloids, you may be more prone to get them too.
Keloids are difficult to cure because they resist scar therapies. Keloids can be treated with corticosteroid injections, cryotherapy, laser therapy, or surgery. Even with treatment, keloids might return.