Laser hair removal is often billed as an optional cosmetic procedure, especially for women, and many insurance companies refuse to provide any coverage for it. However, many women and men can experience excessive hair growth because of medical conditions and even from medication side effects. Managing hair that grows because of an illness can be very challenging, and sometimes the only real solution is to get laser hair removal.
So how can you get your insurance company on board? While some companies might never budge, it's always worth it to try getting coverage whenever possible. Here are some suggestions that might help you get the coverage you need.
Get your doctor on your side.
Your doctor knows the prognosis of your illness, and they also know how insurance companies work. If you can get your doctor to make your case, possibly by even framing the procedure as a medical necessity, you might have a bit more luck. Medical conditions that have serious side effects like polycystic ovarian syndrome, diabetes, or cancer are more likely to win coverage simply because these conditions require a broad spectrum of treatments, and your doctor could argue this treatment is just another method of managing undesirable symptoms.
Keep a thorough history.
Can you show that excess hair does more than cause you inconvenience? Maybe you often have follicle irritation, ingrown hairs, and terrible acne as a result of the unnatural hair growth. Maybe you've found the perfect medication for managing a serious illness only to find it causes excess hair growth. Going off this medication would have a terrible effect on your health, making laser hair removal a logical next step. You can also show how the progression of your disease has affected your body. These facts can help argue the fact that laser hair removal is a medical necessity for your.
Get medical help as soon as possible.
Self esteem is a major part of your mental health, especially as teenager or a young adult. Insurance companies and doctors may be more sympathetic to a young woman, for example, who can't get rid of facial hair. Because these issues can affect her psychological health as a teen and her future for employment and relationships, many doctors may work harder to help younger patients get the procedures they need.
Use a doctor.
Some spas and esthetician offices will offer laser hair removal. Instead, see if your doctor or a special dermatologist will do the work. Medical doctors are more likely to be reimbursed by insurance.
Find alternative methods of payment.
Unfortunately, even with your best efforts, insurance companies don't always come through. Instead, you'll need to look for another way to afford laser hair removal. Here are some funding ideas:
- Long term payment plans.You might be able to get a payment plan where you only have to pay a small amount each month until the surgery is paid off.
- Crowd funding. Many people have success getting the money they need for medical services through online funding websites where family and friends can donate to your cause.
- Pro Bono. Make your case with clinics who might offer a certain amount of pro bono work for people who need it.
- Credit. If all else fails, you can contact your financial institution to see what the terms would be for a short-term loan for getting laser hair removal. You can pay this off month by month, while enjoying your return to the land of normal hair quantities.
For more ideas on how you can fund laser hair removal and how it can benefit your life, contact a local dermatologist for a consultation.