Cosmetic Services FAQs
The cosmetic services discount applies to elective cosmetic procedures that are excluded from coverage under your health plan. Talk to your doctor if you have any questions about which cosmetic procedures are right for you.
Review the BluePerks Disclaimer here.
- What is a cosmetic service?
- Are cosmetic services a covered benefit under my health plan?
- Does the money I spend on a procedure apply to my deductible?
- How do I determine if a cosmetic service is for me?
- What if my doctor tells me the procedure is medically necessary?
- Are these physicians credentialed?
- Will complications from a cosmetic service be covered under my health plan?
Q1: What is a cosmetic service?
A1: Cosmetic services focus mainly on the enhancement or beautification of specific facial or body parts.
Q2: Are cosmetic services a covered benefit under my health plan?
A2: No. Cosmetic services are an exclusion of the contract and are not eligible for health plan benefits.
Q3: Does the money I spend on a procedure apply to my deductible?
A3: No. The money spent on discounted cosmetic services is being spent on services not covered by a BlueCross BlueShield of Tennessee health benefit plan. So the cost of these services does not count toward your health plan's deductible or out-of-pocket maximum.
Q4: How do I determine if a cosmetic service is for me?
A4: Choosing to have a cosmetic service is a decision that requires careful thought and preparation. As with any medical procedure, research is very important. Learn as much as possible before undergoing cosmetic precedures. Reading articles and books, consulting with physicians, viewing before and after photos, and checking a doctor’s credentials are all recommended
Q5: What if my doctor tells me the procedure is medically necessary?
A5: If your doctor feels a procedure is medically necessary, he or she will need to complete and submit a Predetermination Request Form to BlueCross BlueShield of Tennessee. If the procedure is determined to be medically necessary and is covered under your health plan, the BluePerks discount program does not apply.
Q6: Are these physicians credentialed?
A6: Yes. To participate in the cosmetic services discount program, physicians must meet certain eligibility criteria. In addition, physicians must be credentialed by BlueCross BlueShield of Tennessee.
Q7: Will complications from a cosmetic service be covered under my health plan?
A7: No, complications from cosmetic procedures are excluded from your health plan in almost every situation. You would be responsible for the cost of any complication from a cosmetic procedure.
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