Regular visits to the dermatologist can be a key part of both preventative health care and general self care. However, since dermatology providers offer a wide range of services, it’s important to be aware of what insurance covers. Whether you’re seeking medical, surgical, or cosmetic dermatology services, here are some key insurance tips to know.
Before your first dermatology appointment, you’ll want to call the office and ask if they take your insurance. Most offices accept a wide range of plans. If they don’t accept your insurance plan, ask about payment plans to help you cover your visit. Keep in mind that you might have a co-pay at the visit, so be sure to be prepared for that cost.
Remember that if your primary care physician is providing a referral for a dermatologist, they’ll likely recommend an office in-network. However, you’ll need to do this research yourself if you’re making a dermatology appointment on your own.
Once you confirm that the dermatology provider accepts your insurance plan, you’ll want to find out which services are covered by your insurance company. As a rule, most insurance companies will cover services that they deem medically necessary. While many cosmetic dermatology treatments are excluded, most medical and surgical services are covered. This may include:
Keep in mind that each insurance plan is different, so the above conditions may not fall under your coverage. You can avoid any surprises by contacting your insurance company and confirming their scope of coverage.
While insurance companies usually cover any dermatology service that’s medically necessary, they likely won’t cover elective dermatology services. You should expect to pay for cosmetic dermatology services on your own. These types of treatments include dermal fillers, facials, tattoo removal, stretch mark removal, and wrinkle treatments.
While these services come at a cost, don’t let this deter you from undergoing cosmetic treatments. Elective treatments are an investment in your appearance and confidence. The results are generally more noticeable than at-home or over-the-counter treatments. And you can ultimately save on extra makeup and countless skin care products by investing in your skin as a foundation. Remember that your dermatology provider can work with you to pay for your set of treatments.
Here at Pacific Dermatology Specialists, we’re proud to accept a wide range of insurance plans. Our knowledgeable team is happy to answer any questions you may have about insurance coverage and payment options. Our premier dermatology partners have locations in Torrance, CA and the surrounding areas, so contact us today to schedule your first appointment at our dermatology and cosmetic center.