When you think about purchasing health insurance, you probably only think about your children, your spouse, and yourself. You either buy into the health insurance package offered by your employer or your spouse's employer, or you seek an individual health insurance policy based your needs and the needs of your family.
But how many of you have thought about your pets when it comes to health insurance? Pets are, after all, members of the family, too. Do not feel ashamed if you have not thought of health insurance for your pets; when it comes to pets, most people choose to deal with health issues as they arise. While this may work for some pet owners, it won't work for all pet owners. What happens if your pet suffers from a health condition that a quick trip to your local vet's office just won't fix? Do you let your pet suffer, or have him put to sleep, because you can't afford to help him?
No. You purchase pet health insurance and protect your pets the same way you would protect all of the members of your family.
Pet insurance policies can cover a plethora of health needs for your pets, including, but not limited to:
? Treatments for accidents, cancer, and other illnesses. ? Protection against fleas, heartworm, and other vaccinations. ? Hospitalization, surgeries, MRI, CAT scans, and X-rays. ? Basics such as annual check ups, prescription medication, and even having your pets spayed or neutered.
Some pets may live their entire lives needing only to be neutered and to wear flea collars; however, other pets may also be involved in serious accidents, such as being hit by a vehicle, or suffer severe health conditions, such as cancer. Don't just cross your fingers and hope your pet is one of the few who will remain healthy all his life. Purchase pet health insurance and be sure you can protect your pets.
Cosmetic surgery, in its true sense, is an elective procedure that is performed to reshape or enhance body parts a patient may find unflattering. Since cosmetic surgery has an intrinsic aesthetic intent, it is usually not covered by health insurance. The argument put forth by insurance firms is that a person can very well do without cosmetic surgery, and the procedure is used for mere beautification instead of being a life saving surgery. On the other hand, reconstructive surgery is generally covered by health insurance, though the extent of coverage may vary a lot from one case to another.
In many ways, the answer to the insurance question lies in discerning whether the plastic surgery procedure is cosmetic or reconstructive. For instance, abdominoplasty (or tummy tuck), when performed on an obese patient to guard the patient against heart problems, is eligible for health insurance. Breast reduction surgery, when carried out with the intent of reducing weight of the breasts to curtail orthopedic pain, is typically covered by health insurance. On the other hand, breast implants or augmentations are performed with the aesthetic aspect in mind and, therefore, don’t normally qualify for an insurance.
There is a fine line dividing the two categories of plastic surgery, namely cosmetic and reconstructive surgery, as far as eligibility for insurance is concerned. For instance, eyelid surgery, when performed to attain an aesthetic enhancement is considered cosmetic and ineligible for insurance. The same procedure may be covered by insurance if the eyelids are drooping to the extent of obscuring a patient’s vision. The hard fact remains that most of the plastic surgery procedures are performed with an aesthetical intent, in order to enhance alluring portions of the body.
To summarise, plastic surgery that is performed to improve function instead of aesthetics is normally eligible for an insurance cover. However, it’s best to discuss your case with an insurance agent, in order to determine if you are eligible for an insurance cover.
Both Elizabeth Newberry & Ns Kennedy Kennedy are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Ns Kennedy Kennedy has sinced written about articles on various topics from Hair Removal, Fathers Day and Halloween Costumes. Nicola publishes an informational site about eyelid surgery, with articles and news, tips and views to help you make the correct choice about