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Is cosmetic insurance available for varicose veins treatment?

This question was asked in Bella Vista, Arkansas and has 11 answer(s) as of 09/29/2014.
I have medium varicose veins as well as spider veins. My veins are now causing me a great deal of pain and I am interested in endovenous laser treatment and other treatment options. I do not have medical coverage at this time that covers cosmetic vein treatments. Is there some sort of cosmetic insurance or other payment option that I can utilize to get the treatment I need?


Doctors Answers (11)

What you describe is Chronic Venous Insufficiency (CVI), and this is not a cosmetic issue. CVI is covered by most insurance plans if you have symptoms. We treat these type of vein problems that you describe, and insurance does pay for them. Please call and schedule an evaluation so I can better guide you toward the appropriate care for your veins.

This question comes up more than you might think. There many people who dont have health insurance or have a discount insurance that doesn't cover vein treatments . We offer a financing through care credit and also work with patient to offer cash discounts. Both of these option many find affordable. There really is not an insurance plan for just vein or cosmetic treatments.

Varicose veins are considered medical and almost always spider veins are cosmetic. Some vein clinics offer payment plans for the cosmetic conditions. Spider vein treatment is usually affordable.

I am not aware of any insurance company that would sell "cosmetic" insurance since they cannot control demand and their costs in such an environment. Venous insufficiency which causes pain, swelling, tenderness, or abnormal skin changes is NOT a cosmetic issue. Most insurance companies will have a written policy which outlines their coverage rules for treatment of venous insufficiency. See a vein specialist for an evaluation which it seems you must need on the basis of your described symptoms and have your physician sort out the insurance converge issues with you.

Varicose veins that are symptomatic should be considered medically necessary to treat, and smaller veins including spider veins are considered cosmetic and are not covered by insurance. Whether the insurance covers a procedure, office visit or medication is really a business and contractual decision between you and your insurance company (as in theory medical decisions should require a medical licensed physician). For people without insurance including many small business owners, or with high deductibles and limited coverage, procedures may be payed for using payment plans such as Care Credit which spread the payments out monthly, or the procedure can be paid as an out of pocket expenses. The cost of an endovenous ablation for varicose veins is approximately $1800 for the basic procedure and treatment for smaller cosmetic veins treated by sclerotherapy often cost from $450-900 for the average patient (80-90% are in this range).

Yes. Endovenous laser treatment is not cosmetic and is covered by most insurance plans. Payment plans can be set up for non-covered cosmetic treatments for spider veins.

I am not aware of any form of cosmetic insurance available for treatment of varicose veins. Most health insurance companies cover treatment of symptomatic varicose veins. The individual needs to meet the medical necessity requirements of their insurance company. If one does not have health insurance then the cost of varicose veins will be your responsibility. Individual vein treatment centers may work with you concerning payment options. You need to discuss this with the billing officer before treatment is started.

If patient require an EVLT because of symptomatic veins then this is not a cosmetic issue. Venous insufficiency is when the valves in the veins are not working. IF you have symptoms such as leg aching, fatigue, heaviness, swelling, discoloration, etc, than treating the veins are not for cosmetic reasons and will be covered by insurance. Spider vein treatment is not medically necessary and would not be covered by any type of insurance.

When varicose veins cause any symptoms ( such as pain, fatigue, heaviness, cramps, swelling...)they are considered as medical ailment and not a cosmetic issue- obviously, with your current leg pain, you would qualify for medical insurance coverage. Even Medicare covers this.

If you have symptoms some insurances will over it. You should see a doctor and have an ultrasound to determine the cause and best treatment options.

Insurance tends to cover treatment of the underlying or larger vein problems, which may relieve your pain. For cosmetic spider veins, insurance will not cover treatment but it may be possible to use a flexible savings or health savings account. Also, some medical offices may offer payment plans or financing options.

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