Does Insurance Cover Laser Hair Removal | An Expert Guide

As a result, insurance providers do not cover laser hair removal as a medical necessity. If you need more than one session, you may expect to pay anything from $200 to $400 per appointment. Let’s learn does insurance cover laser hair removal.

Electrolysis hair removal is generally not covered by health insurance. However, it may be more cost-effective than laser hair reduction, depending on the location and hair type treated.

A 45-dollar session that focuses on a remote location, for example, is not out of the question. Consider the possibility that you may need more treatments than you would with laser therapy.

Review your insurance coverage and get in touch with your provider if you want to make sure laser hair reduction is covered. Your insurance provider may cover laser hair reduction if you have a medical condition that produces unwanted hair growth that significantly negatively impacts your quality of life.

An insurance provider will only cover a laser hair reduction operation if deemed medically essential.

Ask your doctor to speak up for you so that you have a better chance of getting your claim approved. To persuade your insurance provider, you’ll need the help of an experienced medical specialist.

How to Get Laser Hair Removal Paid For By Insurance

Does Insurance Cover Laser Hair Removal

Insurance coverage for laser hair removal is highly dependent on your doctor’s sensitivity to your concerns about your physical appearance. As per the IRS, Americans cannot deduct these services (or any medical procedures) if their yearly income is less than ten percent.

To make you feel and look your best, you should seek a physician who has experience dealing with patients who are self-conscious about their looks.

Have your doctor argue the case. 

In particular, for adolescent females who are still learning about the effects of their changing hormones, unwanted hair can be a source of incredible frustration. PCOS, diabetes, obesity, thyroid issues, and even certain types of cancer can cause hormonal imbalances that lead to excessive hair growth.

There are more health problems than you think, aside from the overabundance of hair resulting from these disorders.

They could charge the insurer with the correct code and explain their choice, rather than you just becoming tired of shaving every other day. Your doctor may be willing to fight for you if they’re in a position of trust with you.

Pay a visit to a specialist who offers laser hair removal in their clinic. 

Cosmetic treatments performed in the office help physicians better understand their patients’ worries regarding their looks. As a result, they may be more equipped to represent you in court.

Even if your laser hair eradication is not covered by insurance, they are more likely to give you substantial discounts and payment choices.

Visit a doctor when you’re still a child!

A physician is more likely than a member of the family to act in the instance of an adolescent with excessive body hair. Teenagers are vulnerable to this type of difficulty due to their looks.

Doctors may be more willing to break the rules to treat youth with a five-o’clock shadow, a warning indicator for mental health disorders such as despair and worry.

If all else fails, get special financing.

CareCredit financing is available through some medical spas. For cosmetic medical operations, this company is the best in the business. In addition to Comenity, another credit firm, Premier Laser Spa, is a big fan of Comenity’s financing options.

For those who aren’t happy with the interest rates or contracts offered by CareCredit or Comenity, there’s always the option of getting a separate credit card just for paying for your laser hair removal treatments.

Does prescription medication cause your abundant body hair? 

Your testosterone levels may have soared as a result of medicine. Some steroid medications and hormone treatments might make you appear like a polar bear. If the mixture is essential and stopping the regimen will put your well being in danger, you may have laser hair removal for free. Instead, people are more likely to seek a medication with no adverse side effects.

Does Insurance Cover Laser Hair Removal?

In most cases, your policy will not cover the expense of laser hair removal.

Dr. Guanche says that insurance may cover laser hair removal in some situations. Patients with pilonidal cysts or hidradenitis, for example, may fall under this category.

These are skin conditions that can be painful and treated with laser hair removal. Inquire about payment methods and bundle deals at the receptionist’s desk. Laser hair removal is an optional cosmetic dermatology procedure. 

How to Finance and Pay for Laser Hair Removal?

How to Finance and Pay for Laser Hair Removal

There are various ways to pay for laser hair removal if you’re interested. Of course, if you have the cash on hand, you can take a loan against your savings.

It’s crucial to realize that very few doctors provide their patients the option of paying over time by receiving monthly bills from the doctor’s office and making payments straight to the doctor. The CareCredit credit card may be a simple way to pay for the operation, and most accept general-purpose credit cards.

Frequently Asked Questions

Does Health Insurance Cover Laser Hair Removal for Health Reasons?

To keep up with the escalating costs of healthcare, insurance companies are being more conservative. Many non-essential “elective” medical procedures are not part of health insurance policies.

As a result, policyholders are forced to foot the bill for necessary operations. Such treatments typically cost thousands of dollars and may necessitate ongoing therapy or follow-up visits that can be considerably more expensive.

Elective surgery could be under health insurance coverage unless the policyholder has a significant income stream or a third-party benefactor.

How can I finance and pay for laser hair removal?

There are various ways to pay for laser hair removal. Of course, if you have the cash on hand, you can take a loan against your savings. It’s crucial to realize that very few doctors provide their patients the option of paying over time by receiving monthly bills from the doctor’s office and making payments straight to the doctor.

The CareCredit credit card may be a simple way to pay for the operation, and most accept general-purpose credit cards.

What is laser hair removal?

You can achieve hair removal and hair reduction with laser and light-based technology. A laser beam targets a single hair follicle during laser hair removal.

Hair follicles are damaged by the laser’s intense heat, resulting in fewer hairs and worse quality hair. More delicate hair and probably a lighter shade of hair will be apparent—the greater the number of treatments, the greater the amount of hair reduction.

What is the amount of laser hair removal insurance?

You may obtain a discount on hair removal coverage if you’re a member of ASCP. After your ASCP Advanced Modality Insurance (AMI) approval is granted, Allied Professionals Underwriting Company will charge you separately.

If you like, you may pay in whole or in four quarterly payments. If you wish to pay in monthly installments, there is a $10 service charge for each payment. For contracts that have been discounted, payment options are not accessible.

How many laser hair removal measures are needed?

Laser hair removal may be a long-term cure, but it is not quick. Laser hair removal can reduce the thickness, lightness, and fineness of your hair with just one treatment, but if you want to be fully hair-free, you’ll need to have it present four to six times.

Does your Health Coverage Cover Laser Hair Removal

You may be eligible for a portion of your laser hair removal procedure charges from your health coverage provider in some cases. Your policy’s “fine print” should tell you if there are any elective procedures that you can use. Some of the most expensive groups, health insurance policies, may enable the coverage of some of these systems.

As an alternative, you could get the endorsement of a certified medical professional. Most of the time, this will be an expert in hair re-growth. When arguing that your operation is “medically necessary,” you’ll need to rely on this doctor’s advice.

Does insurance cover it?

No. Laser hair removal is an optional cosmetic dermatology procedure. Medical insurance often excludes cosmetic dermatology procedures because they are not extremely necessary.

Can I harness my CareCredit credit card when paying for laser hair therapy?

Yes. You can pay for laser hair therapy and other dermatological procedures using a CareCredit card. With a CareCredit account, you can make reoccurring purchases in the fields of skincare, wellness, and cosmetics.

Copays, coinsurance, and deductibles are all things that you can pay for using CareCredit if insurance doesn’t cover them. is the place to go to apply for credit. Go to here to discover a competent healthcare professional in your area that permits the CareCredit card to find out more.

Bottom line

Most insurance companies consider hair removal to be “cosmetic” surgery, and as a result, they do not cover it. A limited number of choices are available to those who need laser hair removal but cannot afford to do so independently.

As a rule, you’ll have no choice but to take out a loan from your funds to cover the bill.

If your hair problem is out of control, check with your insurance company to see if they will cover the cost of hair removal if medically necessary. What if there was an easier way to get rid of unwanted hair? If so, consider laser hair removal as an alternative.

Alternatively, you may be able to secure a loan from a respectable financial institution to cover the costs of your surgery. Be wary of using a payday loan provider because you could end up paying hundreds of dollars in fees and interest throughout your loan if you do.



Adam Grabois is an expert in all aspects of Insurance and Property with 20 years of experience. He is a licensed broker of all lines including property, casualty, life, and health. As a licensed adjuster, he is well-versed in all aspects of insurance, and he owns All Needs Insurance agency in Florida.

He attended Tufts University where he earned his undergraduate degree, followed by a Master's degree from Columbia University.

Adam shares his breadth of experience by helping many businesses and individuals manage risk and protect themselves financially. He now shares this with the audience of the "Pro Insurance Info" website.

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