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The Daily Insight

Does insurance pay for reconstruction after mastectomy?

Author

Daniel Martin

Updated on March 20, 2026

Breast reconstruction procedures should be covered by your health insurance plan, whether they are done right away, soon after mastectomy/lumpectomy, or many years later. This includes procedures that may be needed over time to refine the reconstructed breast and/or to create symmetry (balance) between the two breasts.

Herein, does most insurance cover breast reconstruction surgery?

Breast reconstruction procedures should be covered by your health insurance plan, whether they are done right away, soon after mastectomy/lumpectomy, or many years later. This includes procedures that may be needed over time to refine the reconstructed breast and/or to create symmetry (balance) between the two breasts.

Additionally, what percentage of mastectomy patients get reconstruction? About 40 percent of women who undergo a mastectomy have breast reconstruction surgery, according to 2014 data released last year by the federal Agency for Healthcare Research and Quality.

Beside above, will my insurance pay for a double mastectomy?

Insurance companies that offer mastectomy coverage must also provide coverage for reconstructive surgery after mastectomy. But there is a chance they may not pay to remove or reconstruct a breast that does not have cancer. Most women are satisfied with the results of the surgery, but some women regret having it.

Can you have reconstruction after mastectomy?

Breast reconstruction also can be done many months or even years after mastectomy or lumpectomy. During reconstruction, a plastic surgeon creates a breast shape using an artificial implant (implant reconstruction), a flap of tissue from another place on your body (autologous reconstruction), or both.

Related Question Answers

How long does it take for breast reconstruction to heal?

Most women can start to get back to normal activities within 6 to 8 weeks. If implants are used without flaps, your recovery time may be shorter. Some things to keep in mind: Reconstruction does not restore normal feeling to your breast, but some feeling may return over a period of years.

Which type of breast reconstruction is best?

Implant and flap surgery are the two major types of breast reconstruction. Flaps make use of a woman's own tissue to reconstruct the breast. Flaps offer a larger, softer breast. The best candidates for implants tend to be smaller, thinner women.

How much is a double mastectomy and reconstruction?

On MDsave, the cost of a Double Mastectomy ranges from $8,774 to $15,373. Those on high deductible health plans or without insurance can shop, compare prices and save.

How do implants feel after mastectomy?

You might have problems with breast implants. They can break (rupture) or cause infection or pain. Scar tissue may form around the implant (called capsular contracture), which can make the breast harden or change shape, so that it no longer looks or feels like it did just after surgery.

How long do implants last after mastectomy?

One can expect your implant to last approximately 10 to 15 years. Since a woman may not always feel or see when a rupture in her implants has occurred, magnetic resonance imaging (MRIs) may be needed every few years to monitor for any sign of trouble.

Can nipples be saved after mastectomy?

A nipple-sparing mastectomy leaves the nipple, areola and breast skin intact. Its use is increasing, and it has gained acceptance as a safe option in patients with breast cancer.

Will my insurance cover a preventative mastectomy?

Insurance coverage. No federal laws require insurance companies to cover prophylactic mastectomy. Some state laws require coverage for prophylactic mastectomy, but coverage varies state to state. It's best to check with your insurance company to learn about your plan's coverage.

How long after a double mastectomy can you get implants?

The expander is slowly filled with saline during periodic visits to the doctor after surgery. In the second stage, after the chest tissue has relaxed and healed enough, the expander is removed and replaced with an implant. The chest tissue is usually ready for the implant 2 to 6 months after mastectomy.

How bad is a double mastectomy?

A double mastectomy can cause some physical side effects. There is also a risk of complications following the surgery. Potential side effects and risks include: Fatigue: Many people feel tired for days or weeks after the surgery.

How do you sleep after a mastectomy?

While it is possible to sleep on your side after breast surgery, it comes with some medical concerns that aren't worth the risk. Instead, most plastic surgeons recommend that patients who have had breast surgery sleep exclusively on their backs until they are fully healed.

How long is hospital stay for mastectomy?

Hospital stays for mastectomy average 3 days or less. If you have a mastectomy and reconstruction at the same time, you may be in the hospital a little longer.

How much does a mastectomy cost without insurance?

On MDsave, the cost of a Mastectomy ranges from $6,036 to $10,395. Those on high deductible health plans or without insurance can shop, compare prices and save.

Should I get a preventative mastectomy?

Prophylactic mastectomy can reduce the chances of developing breast cancer in women at high risk of the disease: For women with the BRCA1 or BRCA2 mutation, prophylactic mastectomy reduces the risk of developing breast cancer by 90 to 95 percent.

Can you have a double mastectomy and reconstruction at the same time?

Breast reconstruction can be done at the same time as the mastectomy ("immediate") or at a later date ("delayed"). Many women now get immediate breast reconstruction. However, the timing depends on: Physical exam by the plastic surgeon.

Where can I buy a mastectomy prosthesis?

You can buy a breast prosthesis from a variety of retail outlets, including specialist stores that sell only breast prostheses and related products, the lingerie section of some major department stores and some lingerie boutiques. There may also be a free home service available in your area.

What is the cost of breast reconstruction after mastectomy?

$25000-30000 for a bilateral procedure (double reconstruction) – this includes the cost of 2 plastic surgeons, surgical assistants, an anaesthetist and all follow-up. In case of any complications, no further fees apply.

What is the most common complication after implant reconstruction?

The following complications can happen after flap (or autologous) reconstruction and in some cases after implant reconstruction: Necrosis of the breast skin related to the mastectomy. Necrosis of the tissue flap. Fat necrosis.

Can belly fat be used for breast reconstruction?

Lipofilling. Sometimes doctors can inject fat from other parts of the body into dents in the reconstructed breast to give a normal shape. Doctors call this fat injection or lipofilling. They can take the fat from the tummy or thighs using liposuction.

What should I wear after a double mastectomy?

After a mastectomy you should opt for clothes that are comfortable and easy to take on and off. You are likely to experience some pain, sensitivity and restriction in your upper body. Choose loose, comfortable clothing that's easy to put on and isn't going to interfere with drains or scar tissue.

What can I expect after mastectomy and reconstruction?

Most women return to regular activities within 6 to 8 weeks after surgery. It may be several weeks before you can do strenuous exercise. The mastectomy and breast reconstruction will leave areas of numbness where the surgery was done. Instead of pain where the tissue was taken, you may feel numbness and tightness.