The Women's Health and Cancer Right Act passed in the year 1998 mandates that health insurance companies cover the cost of breast reconstruction surgeries if the woman loses her breast due to mastectomy. The law states that insurance coverage should be given for reconstruction of the lost breast as well as for surgery on the other breast to bring about an appearance of symmetry. In addition, health insurance coverage has to be given for prostheses, any complications arising due to mastectomy and also for lymphedema.
The new law passed by the federal government came into effect in October 1998 and is overseen by the Department of Labor and the Department of Health and Human Services. Also, individual states in the US have their own laws governing the coverage of breast reconstruction as a mastectomy.
In case you are contemplating a breast reconstruction surgery, it is best to check out with a knowledgeable person whether your health insurance will cover the cost of the surgery. Check with your insurance provider whether the fees will covered by the insurance and only then go for the procedure. The last thing you need is to be saddled with an expensive surgery bill. Basically, if you have health insurance, it is mandatory for your insurance provider to pay for the breast reconstruction surgery. If they refuse, you can sue them as they are going against the law.
In case you do not have health insurance, talk to the surgeon and request him or her to give you discount. It is quite possible that you may be eligible for the reconstructive surgery under Medicaid. So, it is best to check this out with the surgeon and the hospital where the reconstruction will be performed.
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