Why is the breast augmentation hospital not allowed to use the insurance card?
Breast augmentation surgery, as a kind of plastic surgery, has received more and more attention and demand from female friends in recent years. However, many breast augmentation hospitals do not allow patients to use insurance cards for settlement. Why does breast augmentation hospital refuse to use insurance card? The following four aspects are discussed from medical expenses, surgical risks, beauty standards and industry norms.
1. Medical expenses
Breast augmentation surgery is a voluntary plastic surgery, and the medical items agreed with the insurance company have not covered this kind of surgery. Although breast augmentation can bring some medical benefits, such as correcting breast deformity or increasing women's confidence, it is not a medical necessity. Insurance companies are more likely to cover operations performed for health or disease treatment than for beauty or voluntary appearance improvement.
In addition, breast augmentation surgery involves high medical costs, including preoperative consultation, surgery costs, nursing costs, and postoperative rehabilitation costs. These expenses need to be calculated according to the actual situation of medical services, which is inconsistent with the amount agreed by the insurance company. Therefore, in order to avoid disputes and misunderstandings, breast augmentation hospitals usually choose not to accept insurance cards for settlement.
2. Operation risk
Breast augmentation surgery is a risky operation. Although the progress of modern medical technology and equipment makes breast augmentation surgery more and more safe, it is still impossible to exclude the possible complications or risks after the surgery. If the insurance card is used to settle the medical expenses for breast augmentation surgery, the insurance company may bear part or all of the additional expenses in case of complications. This is uncertain and risky for insurance companies, so they prefer not to pay for such operations.
In addition, because of the high personal safety risk of breast augmentation surgery, hospitals usually require patients to sign the corresponding informed consent form and specify the way to bear the cost of surgery in order to protect the rights and interests of patients and maximize their own interests. This is also to enable patients to fully understand the risks of surgery and choose whether to operate or not.
3. Beauty standards
Insurance companies usually approve medical items based on medical standards, rather than beauty standards. The purpose of breast augmentation surgery is to improve beauty and personal image, not to treat or correct diseases. Therefore, insurance companies will be more inclined to consider medical necessity and clinical needs when approving, while ignoring patients' personal beauty pursuit.
In addition, the standards of beauty and personal image vary from person to person. For different people, the definition and understanding of their own beauty are also different. It is difficult for insurance companies to establish a unified beauty standard for the approval and reimbursement of breast augmentation surgery. In order to respect the patient's choice and personal rights and interests, breast augmentation hospitals often choose not to accept insurance cards for settlement.
4. Industry specifications
In the plastic surgery industry, industry norms and regulations are very important. In order to protect the legitimate rights and interests of patients and medical safety, the state and local governments have strict regulatory requirements for plastic surgery institutions. These requirements include doctor qualifications, equipment standards, medical procedures, cost descriptions, etc. In order to comply with these specifications and provide high-quality services, breast augmentation hospitals are usually not allowed to use insurance cards for settlement.
As a payment method, insurance card is convenient for legal and compliant hospitals, but there are many restrictions and maladaptive factors for breast augmentation hospitals. Considering medical expenses, surgical risks, beauty standards and industry norms, breast augmentation hospitals generally do not accept the use of insurance cards. Therefore, when choosing breast augmentation surgery, patients need to know the hospital's cost settlement method in advance and make corresponding economic preparations.
