Your insurance plan's specifics will decide whether or not cosmetic surgery is covered. Most insurance companies categorize plastic surgery procedures as cosmetic, reconstructive, or medically required to preserve quality of life or bodily function. Unlike reconstructive or medically necessary plastic surgery, cosmetic plastic surgery is often not covered by insurance. This could alter due to the policy. However, most insurance providers don't cover elective cosmetic surgery. Finding out which operations are approved by insurance requires understanding the many types of plastic surgery that are available. Insurance may or may not pay for plastic surgery, depending on the insurance company you select, the level of coverage you have, and the particular procedure you want.