Blepharoplasty Insurance Coverage

When Insurance Covers Blepharoplasty

Insurance does not pay for eyelid surgery to look younger — it pays to restore vision. Blepharoplasty is covered when redundant upper-lid skin (dermatochalasis) hangs low enough to measurably block the superior visual field, and that obstruction is documented the way insurers require. Purely cosmetic surgery — including nearly all lower-eyelid surgery for under-eye bags — is an out-of-pocket expense.

The Medical-Necessity Criteria Insurers Use

Exact requirements vary by insurer and plan, but most functional-blepharoplasty policies look for the same core evidence:

• Documented symptoms — chart notes describing real-world interference: difficulty reading or driving, loss of the upper field, browache from constantly lifting the lids, or repeatedly raising the chin to see.
• Photographic evidence — standardized frontal photographs showing the redundant skin resting on or over the lashes, or the lid hooding approaching the pupil.
• Taped vs. untaped visual-field testing — a formal automated visual-field test performed twice: once as you are, and once with the lids taped up out of the way. The test must show a meaningful superior-field loss that improves when the skin is lifted — many plans specify a minimum amount of field loss or a set degree threshold, which is why the testing protocol matters.
• Failed conservative context — some plans ask that the problem be persistent rather than intermittent (for example, not attributable to allergy-related swelling).

An oculoplastic practice performs this documentation routinely — the photographs, field testing, and chart language are assembled into a prior-authorization request before surgery is scheduled.

Medicare’s Rules

Traditional Medicare covers functional blepharoplasty and ptosis repair when the medical-necessity criteria in its coverage policies are met — typically the same triad of symptoms, photographs, and visual-field documentation. Traditional Medicare generally does not issue prior authorizations for these procedures; the documentation must stand on its own if the claim is reviewed after surgery, which is why experienced practices are rigorous about it. Medicare Advantage plans, by contrast, usually do require prior authorization, and their criteria can be stricter than traditional Medicare’s. Supplemental (Medigap) coverage follows Medicare’s determination.

The Approval Process, Step by Step

• 1. Examination — the surgeon measures the lids, distinguishes excess skin from true ptosis (they are often combined), and decides whether a functional case is realistic.
• 2. Testing — standardized photographs and taped/untaped visual fields.
• 3. Prior authorization — the office submits the packet under the relevant procedure codes (upper-lid blepharoplasty is CPT 15822/15823; ptosis repair is coded separately) and waits for a determination, commonly a few weeks.
• 4. Scheduling — once approved, surgery proceeds with your plan’s usual deductible, copay, and coinsurance applying — approval does not mean free.

Combining Covered and Cosmetic Surgery

Many patients qualify for functional upper-lid surgery and simultaneously want cosmetic work — lower lids, a brow lift, or laser resurfacing. That is routine: the covered portion is billed to insurance and the cosmetic portion is billed to you, each with its own fees. Two caveats worth knowing in advance: when blepharoplasty is performed at the same time as ptosis repair, the blepharoplasty portion is generally treated as cosmetic; and combining procedures changes anesthesia and facility charges, so ask for an itemized estimate that shows exactly which dollars are yours.

If You Are Denied: Appeals

Denials are common and frequently reversible. The usual reasons are missing or non-standard photographs, a visual-field test that did not follow the plan’s taped/untaped protocol, or field loss below the plan’s threshold. Every plan has a formal appeal pathway: the office can resubmit with corrected documentation, request a peer-to-peer review between Dr. Sakol and the plan’s medical director, or escalate to an external review. If the case is genuinely borderline, you can also simply proceed self-pay — see Financing Eyelid Surgery for how patients budget for it, and the cost guide for typical totals.

Start With the Right Evaluation

Whether your surgery can be covered is decided by measurements and documentation, not by guesswork — and the same examination determines which operation you actually need. An oculoplastic surgeon can tell you in one visit whether your case is functional, cosmetic, or both.