Elective Surgeries - What Elective Surgeries are Covered By Health Insurance?

(LifeWire) - Emergency surgery that saves lives is clearly not optional. But elective surgery -- which often improves your quality of life, rather than saves it -- is, by definition, a choice, not a mandate. Because health insurance companies typically base their coverage decisions on the necessity of a procedure, this distinction becomes quite important when it's time to pay up.

Elective surgery is often perceived as strictly cosmetic, a procedure done only to improve a patient's appearance. But breast implants, face lift, liposuction and vision correction surgeries are only some of the operations considered optional. Elective surgeries also include hip replacements, cataracts, heart procedures such as implanting pacemakers and clearing arteries with angioplasty;and sterilizations such as vasectomies and tubal ligations.

In general, insurance companies will cover procedures they deem medically necessary. ... more.

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