Breast Reduction Surgery Cost with Insurance: Everything You Need to Know

Breast reduction surgery is a common medical procedure sought by many women who are experiencing physical discomfort, emotional distress, or both due to having disproportionately large breasts. While this surgery can provide significant relief and improve overall quality of life for those who undergo it, one of the biggest concerns that patients have is the cost. In this guide, we will take an in-depth look at breast reduction surgery cost with insurance to help you better understand what you might expect to pay and how insurance coverage may impact your budget.

Breast Reduction Surgery Cost with Insurance: Everything You Need to Know

What is Breast Reduction Surgery?

Before discussing the costs associated with breast reduction surgery, it’s important to have a clear understanding of what this procedure entails. Also known as reduction mammaplasty, breast reduction surgery is a surgical procedure that removes excess fat, glandular tissue, and skin from the breasts. The goal of breast reduction surgery is to decrease the size and weight of the breasts while also creating a more proportional and aesthetically pleasing appearance.

Women who undergo breast reduction surgery typically do so because they experience a range of physical symptoms related to their large breasts, including:

  • Back pain
  • Neck pain
  • Shoulder pain
  • Shoulder grooving (from bra straps)
  • Skin irritation/rashes under the breasts
  • Difficulty exercising or finding clothes that fit properly
  • Emotional distress or self-consciousness related to breast size

Breast reduction surgery can significantly alleviate these symptoms and improve overall quality of life for many women.

How Much Does Breast Reduction Surgery Cost?

The cost of breast reduction surgery can vary widely depending on several factors, such as:

  • Geographic location
  • Surgeon’s fees
  • Anesthesia fees
  • Facility fees (such as hospital stay)
  • Pre-operative tests (such as blood work)
  • Post-operative care (such as follow-up appointments)

On average, however, breast reduction surgery costs between $5,000 and $10,000 in the United States. This estimate includes all of the above factors and assumes that the patient is paying out of pocket without insurance coverage.

Does Insurance Cover Breast Reduction Surgery?

Many health insurance plans do cover breast reduction surgery if it is deemed medically necessary. Medically necessary means that breast reduction surgery is needed to alleviate physical symptoms that significantly impact a patient’s quality of life. However, insurance companies have different guidelines for determining what qualifies as medically necessary and may require patients to meet certain criteria before approving coverage.

Additionally, some insurance plans may exclude coverage for breast reduction surgery altogether or limit coverage to specific circumstances (such as if a certain amount of breast tissue is removed). It’s important to check with your individual insurance provider to understand their specific policies related to breast reduction surgery.

How Much Does Breast Reduction Surgery Cost with Insurance?

If breast reduction surgery is covered by your insurance plan, you will likely still be responsible for paying some fees out of pocket. These fees can vary depending on your plan, but common out-of-pocket costs include:

  • Deductibles: The amount you pay before your insurance kicks in.
  • Co-pays: Fixed amounts you pay towards medical services even after you reach your deductible.
  • Co-insurance: A percentage of the total cost of the procedure that you are responsible for paying.

Some patients may also need to pay extra fees if they choose a surgeon or facility outside of their network. It’s important to review your plan documents carefully and discuss any potential costs with your surgeon and/or insurance representative ahead of time.


Breast reduction surgery can provide much-needed relief for women who experience physical discomfort related to large breasts. While the overall cost of this procedure can seem daunting, it’s important to consider the potential benefits and explore all available options for reducing costs where possible. Researching individual insurance policies and working closely with qualified surgeons can help patients make informed decisions about their breast reduction surgery and its associated costs.


Is breast reduction surgery covered by insurance?

Yes, breast reduction surgery may be covered by insurance if it is deemed medically necessary.

What are the factors that determine whether breast reduction surgery is considered medically necessary?

The factors that determine whether breast reduction surgery is considered medically necessary include the amount of tissue that needs to be removed, the degree of physical discomfort or emotional distress caused by having excessively large breasts, and any associated medical conditions such as back pain or skin irritation.

How much does breast reduction surgery cost with insurance?

The cost of breast reduction surgery varies depending on several factors such as the location, surgeon fees, anesthesia costs and hospital fees. However, most insurance plans cover at least a portion of the procedure.

Will my insurance company require me to meet certain criteria before they approve coverage for breast reduction surgery?

Yes, most insurance companies have specific criteria that must be met before they will approve coverage for breast reduction surgery. This typically includes documentation from your doctor indicating that you have experienced physical symptoms such as chronic pain or skin irritation due to having overly large breasts.

Can I choose any surgeon I want for my breast reduction surgery if it’s covered by my insurance?

No, not all surgeons are covered under your health plan’s network. You may need to choose a surgeon who is in-network with your insurance provider in order for your procedure to be covered. If you choose an out-of-network surgeon, you may incur additional costs.

What steps should I take to ensure that my breast reduction surgery is covered by my insurance?

To increase the chances of having your procedure covered by insurance, you should first consult with your primary care physician or gynecologist who can refer you to a specialist who can evaluate your condition and recommend treatment options. You will also want to review your health plan’s coverage guidelines to better understand what is covered by your insurance.

Can I still have breast reduction surgery even if it’s not covered by my insurance?

Yes, you can still have breast reduction surgery even if it’s not covered by your insurance. However, you will be responsible for covering the full cost of the procedure which can range from $5,000 – $10,000 or more depending on the surgeon and location.

Are there any alternative treatments that I can explore before considering breast reduction surgery?

There are several non-surgical alternatives such as physical therapy, yoga and chiropractic care that may help alleviate some of the symptoms associated with large breasts. However, these treatments may not provide permanent relief and may be less effective than surgery.

Will I need to take time off work or school after my breast reduction surgery?

Yes, most patients require about 1-2 weeks of rest after breast reduction surgery in order to properly heal. You will need to avoid any strenuous activities during this time including heavy lifting and exercise in order to minimize pain and swelling.

What type of scarring can I expect after breast reduction surgery?

Breast reduction surgery usually leaves some degree of scarring around the areola, down the middle of the lower breast and under each arm. However, as a skilled plastic surgeon will perform this procedure using modern technology and techniques; scarring will fade over time into thin white lines that are barely noticeable; hence they won’t be easily visible even when you wear a bathing suit in public.

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