Are you curious about the possibilities of reimbursement for a breast augmentation? Many women are insecure about the size of their breasts and want a larger or better-shaped breast. It is also possible that the mammary glands have not developed or have only insufficiently developed, and there are also women in whom one breast is smaller than the other. One of the most frequently asked questions when considering cosmetic surgery is the price, the personal contribution, and the possible refund from health insurance. Everything depends on the type of treatment as well as the cause.
INSURANCE AND REPAYMENT FOR A BREAST ENLARGEMENT
The question regarding the costs of a Breast augmentation is understandable and should definitely be clarified before the procedure. Health insurance funds distinguish between procedures with a medical indication and cosmetic treatments. Basic insurance only covers the costs of a breast enlargement if there is a medical indication. A medical indication exists, amongst other things, after one or both breasts had to be amputated as a result of breast cancer. Social and/or psychological suffering does not constitute a medical necessity.
Do you have asymmetrical breasts, but is the difference less than two cup sizes? Then unfortunately you are not eligible for reimbursement. With a difference of at least two cup sizes, your health insurer will often reimburse a breast reduction of your largest breast. If you want a breast augmentation from a cosmetic point of view, you will bear the costs for the treatment yourself. After the initial consultation with the cosmetic doctor, you can clear up any questions, as well as possibly postpone the operation by a few months. This gives you more time to save the treatment amount.
REIMBURSEMENT BY SUPPLEMENTARY HEALTH INSURANCE FOR A BREAST AUGMENTATION
The fact that the reimbursement options under the basic insurance are limited does not automatically mean that you are not entitled to a reimbursement at all. Many people have taken out supplementary health insurance. Some of these supplementary insurance packages offer partial or full reimbursement options for cosmetic surgery, such as breast augmentations. The conditions for entitlement to reimbursement from supplementary health insurance vary. For example, there are health insurers that still require a medical indication, while others also grant reimbursements without a medical indication. The reimbursement amounts are often not enough to cover the total costs of the operation. If you make use of other treatments and reimbursements included in the supplementary package, it can be worthwhile. Just on the basis of Breast augmentation it usually isn't worth it cost-wise.
REFUND OF THE PERSONAL CONTRIBUTION FOR A BREAST AUGMENTATION
If you undergo a breast augmentation for medical reasons and therefore with a medical indication, the costs can be reimbursed in full by your health insurance. In this case, an excess is generally not necessary. Be sure to check regarding the excess. Have you not fully used this up? You will bear the first part of the costs yourself, and you should definitely take this into account. It is best to call your health insurance provider and clarify everything so that it is clear and you know what costs you will face.
REFUND OPTIONS FROM HEALTH INSURANCE FUNDS
Are you considering a breast augmentation? Check with your health insurance provider beforehand about the options and conditions for reimbursement. If you have a medical indication and the costs are fully reimbursed, your GP or specialist must issue you with a referral. This is necessary to be able to prove the medical necessity. Health insurance funds generally work in partnership with contracted hospitals and clinics. It is important that this is clarified and clear in advance. If you have any questions, be sure to contact your health insurance provider.
NO REFUND FOR A BREAST AUGMENTATION?
What are the options if you have no medical indication and supplementary health insurance does not offer any reimbursement options? This is not an immediate reason to forego the desired procedure. Prepare yourself well and compare the treatment rates charged by the clinics. The Acuraklinik in Weert offers excellent value for money. If the costs are not reimbursed, you can wait a little longer to save money. However, it is also possible to consider paying in instalments. The Acura Clinic works together with the specialised credit company Cosmetic Finance. On the basis of a revolving credit or personal loan, it is possible to have a breast augmentation performed without missing a large amount at once. Do you prefer to pay the Breast augmentation in instalments to pay? Discuss this with the cosmetic doctor during the consultation at the clinic and it is always possible to contact Cosmetic Finance.
DEDUCTION OF THE COSTS OF BREAST AUGMENTATION IN THE TAX RETURN
Another frequently asked question regarding the costs is whether the incurred expenses for breast augmentation can be deducted from the annual tax return. The possibilities for this are limited, and the conditions and rules change annually from the competent tax office. It is recommended to seek good advice from a tax adviser. For example, evidence is required and it is necessary to keep the original invoices. To avoid additional taxes and fines, it is advisable to inform yourself thoroughly in advance. The website of the tax and customs administration contains, for example, a detailed description of the costs that can be entered as a deduction.
BREAST AUGMENTATION COST REIMBURSEMENT – FAQ
There are a number of frequently asked questions regarding the reimbursement of costs for breast augmentation. Of course, you can also ask us these questions by email or telephone. Nevertheless, we think it is useful to answer a number of questions in this way.
1. how much does a breast augmentation cost?
Find out more in our Price overview more about the costs of this treatment. The cost price depends on the treatment technique used and the conditions of your health insurance.
2. Does the basic health insurance cover breast augmentation?
The costs for a breast augmentation are only covered by basic health insurance on the basis of a medical indication. You can receive this if one or both breasts have been amputated as a result of breast cancer. Unfortunately, psychological and/or social distress is not a reason for a medical indication. Women with asymmetrical breasts are not entitled to reimbursement of costs by basic insurance. If the difference is at least two cup sizes, the costs for the reduction of the larger breast will be reimbursed. Be sure to check with your health insurance provider in advance.
3. Will plastic surgery be reimbursed?
If the reason for plastic surgery is purely cosmetic, the costs are not covered by basic health insurance. If you have a medical indication, your health insurance provider may set conditions before approval is granted for treatment with coverage of costs.
4. What conditions are imposed by health insurance companies?
The conditions are variable and can differ depending on the insurance policy. Prerequisites that you should take into account are that the treatment you are undergoing is no more expensive than available alternatives and that your symptoms or disfigurement must be reduced or improved by the procedure. To receive the full reimbursement amount, the health insurance fund may require that the procedure is carried out by a contracted provider. If you choose a different healthcare provider, the reimbursement amount may be lower.
5. Will the costs for a breast augmentation be reimbursed by my supplementary insurance?
The contents of supplementary health insurance policies vary. A limited number of health insurance funds cover the costs of plastic surgery through supplementary insurance. Have you taken out supplementary insurance specifically for the reimbursement of cosmetic surgery? Check the cover carefully in advance to ensure that the premium is not more expensive than the reimbursement amount.
6. What do I need to look out for when getting a refund for plastic surgery?
When taking out supplementary insurance, pay attention to the cover. It often happens that you pay more in premiums than you are reimbursed in costs. Also note that health insurance funds conclude contracts with healthcare providers. If you go to a different healthcare provider, the reimbursement amount may be lower. You can enquire about this with your health insurance fund.
7. Is there an excess?
If the costs for the breast augmentation are reimbursed by the basic insurance, there is no personal contribution. Supplementary insurance packages never reimburse the full treatment rate and you have to pay the difference yourself.
8. Do I need to take the excess into account?
If the surgery is covered by the basic insurance, the reimbursement is subject to the so-called deductible. If you have not yet used up your deductible, you will have to pay the first part yourself. This does not apply to reimbursement by supplementary health insurance.
9. Are the costs for implants and breast augmentations with autologous fat reimbursed?
You can discuss the treatment technique with the plastic surgeon who will be performing the operation. Your health insurance provider can tell you which costs, if any, will be reimbursed for the operation. Here too, this depends on the terms of your insurance and whether it covers all treatment methods.
10. Can I deduct the cost of breast augmentation from my taxes?
Medical expenses can be deducted in the annual tax return under certain conditions. Bear in mind that the tax authorities may request proof and supporting documents such as invoices. Consult the tax authorities themselves or seek information from a tax advisor.
11. What can I do if the costs are not reimbursed?
You can try to save up the amount or ask your family, friends or acquaintances for help and support.
12. Can a breast augmentation be paid for in instalments?
If you are not entitled to a refund of the costs for a breast augmentation, a breast augmentation is an expensive procedure. The Acura Clinic works with Cosmetic Finance, a specialist credit company. Mention during your consultation that you are considering paying for the breast augmentation in instalments so that the staff can put you in touch with Cosmetic Finance.
13. Is everyone eligible for payment by instalments?
The credit company checks your data and your creditworthiness. They assess your monthly financial commitments and your income, as well as your living and family situation. This influences whether you can be offered a revolving credit or a personal loan. Minors are not entitled to a loan or a revolving credit.
14. In how many instalments can I pay off the breast enlargement?
When you take out a personal loan, you know in advance how long the loan term will be and what the interest rate will be. The average term of a personal loan is 5 years. If you have additional financial leeway, you may consider paying off the loan earlier. With a revolving credit facility, you can borrow the funds again. The interest rates for revolving credit can vary. The longer the term of the loan, the higher the interest rate and the higher the total amount you will have to pay.
15. What are my options if I cannot meet the repayment obligation?
It is usual to take out credit protection insurance with a loan or revolving credit. If a situation arises where you are unable to meet your obligations, the insurance takes over the repayments. If you pass away and your loan or credit has not yet been fully repaid, your surviving dependants will not be affected by this. The insurance will pay back the outstanding amount.
16. I can pay off more than expected. Will I get a penalty if I pay off more or faster?
Credit companies can charge a penalty fee if you repay a loan faster than agreed in the contract. However, this is not always the case. Such fees and/or contractual penalties are specified in the terms of the credit agreement.
17. Does paying for a breast enlargement in instalments affect my credit rating?
When you take out a loan or credit, it is registered. This can affect your future creditworthiness and, for example, also when you take out a mortgage.
MÖCHTEN SIE EINEN UNVERBINDLICHEN BERATUNGSTERMIN VEREINBAREN?
After reading this report on „breast augmentation cost reimbursement“, are you interested in a consultation for a breast augmentation? Book an appointment and tell us about your situation, as well as your wishes and expectations for the treatment. To do this, fill out the contact form or call us on +31 495 54 78 48 or simply send an e-mail to consult@acuramedischcentrum.nl.
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