The mole removal is done majorly for two reasons – medical or cosmetic. You may want to check with a board-certified doctor about the best removal procedure that suits your situation. Mole removals done for cosmetic reasons are usually not covered by insurance companies.
Medical mole removals are usually the safest options for getting rid of a mole. For deep or larger moles, it is quite likely that your dermatologist will recommend an excision or a punch biopsy. Other options include a laser, cryotherapy or radiowave which are usually done on superficial or benign moles.
If your mole is found to be cancerous in nature or shows signs of melanoma, it will possibly be covered by insurance.
A cancerous mole has some common characteristics such as itching, irritation, bleeding, change in shape, size or structure. Once a mole is deemed cancerous, mole tissues are sent for histological evaluation at the laboratory. As your next steps, ask the following questions to your dermatologist & your insurance company separately –
Questions to ask your dermatologist regarding insurance cover –
1. Which mole removal procedure is good in your scenario? Why?
2. What will be the total cost (including consultation, histology and any other fees)? (Learn everything about mole removal cost)
3. How much of the total cost will be covered by insurance?
4. Will he/she send the examination reports and documentation to the insurance company?
Questions to ask your insurance provider –
1. What type of mole removal procedures are covered?
2. Is mole removal covered under your policy?
3. What percentage or how much of the total cost is covered?
4. What is the process to avail the benefit?
5. What documentation needs to be submitted?
6. How much time does it take for the approval?
Your insurance company will be the best to give you information on whether a mole removal is covered by insurance. Asking all these questions will help you plan your removal procedure in a better way. Medically necessary procedures are generally covered. Just ask the procedure from both parties and you are good to go.
In case, you want a mole removed for cosmetic reasons, there are very rare chances that it’ll be covered by the insurance provider.
You can follow the same steps mentioned above to get hold of the situation. Furthermore, if you have no other option but to pay for the procedure, here are some ways you can minimize your cost for the best removal process.
1. Find a list of board-certified dermatologists in your area. Cold call them to get an idea of the cost.
2. Check with the ones with lower cost, if they have done removal procedures that you require.
3. Ask about various options to pay. Some doctors may offer discounts on cash payment.
4. If you can find a trainee practicing under a certified doctor in a medical school near you, there are chances that they’ll charge less for the procedure.
5. With a pre-approved line of credit, you can pay monthly installments as well.
Things to keep in mind before choosing a particular removal procedure
We understand that you’ll have to bear the entire cost if your mole removal is not covered by insurance, however, this doesn’t mean that you will choose home remedies or removal creams just to save your cost.
We know cost is an important factor, but so is your skin. And if your mole is located on your face, choosing a home remedy because of the cost is not a logical decision. We realize the internet is filled with information propagating the benefits & effectiveness of various at-home mole removal solutions but the fact is there’s limited medical evidence to back that.
We are not saying that home remedies are bad, all we are saying is you have to evaluate various options (cost, aftercare, scar etc.), sit with a physician or a skin specialist (if possible) and take the right decision.
Cosmetic removals are usually not covered by insurance companies. For medically necessary removals get in touch with your doctor and insurance provider to (1) identify the right removal procedure and (2) steps to follow to claim insurance.
Image Source: Wisegeekhealth.com
With inputs from Personalhealthinsurance.com