Is Labiaplasty Covered by Insurance? Find Out Here

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Labiaplasty is a surgical procedure that involves reshaping or reducing the size of the labia (the folds of skin around the vaginal opening). For some women, this surgery can be life-changing, but many insurance plans do not cover it. In this article, we’ll explore whether labiaplasty is covered by insurance and what options are available for those who want to undergo this procedure.

Does Insurance Cover Labiaplasty?

The short answer is that most insurance plans do not cover labiaplasty because it is considered a cosmetic procedure rather than a medical necessity. However, there may be exceptions in certain cases where surgery is deemed medically necessary due to functional problems or chronic pain.

Medical Necessity

If you experience extreme discomfort or difficulty with intercourse due to enlarged labia, your surgeon may argue that reduction surgery could improve your overall quality of life. Some symptoms which can justify medical necessity include:
– Painful sex
– Chronic irritation from tight clothing
– Difficulty exercising

In such cases, patients often find success appealing for coverage under ‘functional repair’ clauses found within their policies. If you believe that you qualify for an exception based on medical necessity under your policy’s terms and conditions; obtaining preauthorization prior to surgery might assist your case further.*

Cosmetic Procedures

On the other hand,Aesthetic-related motivations may suggest cosmetic procedures like labiaplasty being undertaken purely out of choice.Most times these surgeries are self-pay as they are perceived unnecessary according to prevailing laws established by standard health insurers.

What Are Your Options?

If you’re considering labiaplasty but don’t have insurance coverage or qualify through an exception mentioned above -you still have several options:

1) Look into financing programs: Many plastic surgeons offer payment plan options such as Care Credit allowing monthly payments instead of paying all costs upfront.
2) Consider travelling abroad: Depending on the location, surgery costs may be more affordable in other countries.
3) Discuss payment options with the surgeon: Some clinics may offer discounts for referrals or cash payments.


While labiaplasty is generally considered a cosmetic procedure and not covered by insurance, there may be exceptions based on medical necessity. If you’re considering this surgery, it’s important to research your options and understand all potential costs involved before making a decision.


1) Is labiaplasty considered a cosmetic procedure?
Answer: Yes, labiaplasty is primarily considered a cosmetic procedure. It involves the reshaping or reduction of the labia minora, which is performed to improve its appearance and/or function. As such, most insurance plans do not cover this procedure.

2) Are there any conditions under which insurance may cover labiaplasty?
Answer: In some cases, if the patient has medical issues or discomfort related to their genital area that affect their quality of life, health insurance may provide coverage for part or all of the cost of labiaplasty. Conditions such as recurrent infections, hygiene difficulties or painful intercourse can sometimes justify medically necessary treatment.

3) How much does Labia surgery cost out-of-pocket?
Answer: The cost of labiaplasty varies depending on factors such as geographical location and surgeon’s expertise. On average in United States it usually costs between $3000-$8000 dollars without insurance coverage. It’s always best to get an estimate during a consultation at your preferred plastic surgeon office.