Best Insurance Coverage for Laser Hair Removal in 2024

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Written By kevin

A financial strategist with a knack for demystifying taxes and insurance, Kevin distills complex concepts into actionable advice.

Laser hair removal has become an increasingly popular cosmetic procedure, offering a long-lasting solution for unwanted hair growth. As the demand for this treatment continues to rise, understanding the insurance coverage options available in 2024 is crucial. This comprehensive guide aims to provide you with valuable insights into the best insurance coverage for laser hair removal, helping you make an informed decision.

Understanding Laser Hair Removal Coverage

Traditionally, laser hair removal has been considered a cosmetic procedure, and most insurance providers do not cover the cost. However, there are exceptions when the treatment is deemed medically necessary, such as in cases of excessive hair growth due to conditions like hirsutism or polycystic ovary syndrome (PCOS).

Conditions Covered by Insurance

In 2024, several insurance providers have expanded their coverage to include laser hair removal for specific medical conditions. Here are some common scenarios where insurance may cover the treatment:

  1. Hidradenitis Suppurativa (HS): This chronic skin condition causes painful, recurring abscesses and scarring in areas with hair follicles. Laser hair removal can help alleviate symptoms and prevent future flare-ups.
  2. Gender Dysphoria: Some insurance plans cover laser hair removal as part of gender-affirming treatment for individuals diagnosed with gender dysphoria.
  3. Excessive Hair Growth (Hirsutism): Conditions like PCOS, Cushing’s syndrome, or hormonal imbalances can lead to excessive hair growth, which may qualify for insurance coverage.
  4. Ingrown Hairs: In severe cases, laser hair removal may be covered to prevent recurrent ingrown hairs and associated infections.

It’s important to note that coverage varies among insurance providers and plans, so it’s crucial to check with your specific insurance company regarding their policies and requirements.

Factors Affecting Coverage

When considering insurance coverage for laser hair removal, several factors come into play:

  1. Medical Necessity: Insurance providers typically require a documented medical condition and a physician’s recommendation to approve coverage.
  2. Plan Type: Comprehensive health insurance plans are more likely to cover laser hair removal for medical reasons than basic or limited plans.
  3. Pre-existing Conditions: Some insurance plans may exclude coverage for pre-existing conditions, so it’s essential to review your policy carefully.
  4. Deductibles and Co-pays: Even with coverage, you may be responsible for deductibles, co-payments, or coinsurance costs, which can vary depending on your plan.

Maximizing Insurance Coverage

To increase your chances of obtaining insurance coverage for laser hair removal, consider the following strategies:

  1. Obtain a Physician’s Referral: A referral from a dermatologist or other qualified medical professional can strengthen your case for medical necessity.
  2. Provide Detailed Documentation: Gather and submit all relevant medical records, including diagnoses, treatment history, and photographs, to support your claim.
  3. Appeal Denials: If your initial claim is denied, don’t hesitate to appeal the decision with additional supporting documentation.
  4. Explore Alternative Plans: If your current insurance plan does not cover laser hair removal, consider exploring alternative plans during open enrollment periods or through your employer.

Laser Hair Removal Insurance for Technicians

While laser hair removal is primarily a cosmetic procedure for clients, insurance coverage is available for technicians who perform these treatments. The Associated Skin Care Professionals (ASCP) offers laser hair removal insurance exclusively to its members who are certified or trained in laser/light energy procedures.

This insurance coverage is a supplement to the comprehensive liability policy included with ASCP membership. Members can apply for this coverage by filling out an application form and providing proof of training in laser hair removal. The cost of this coverage varies based on the pricing level chosen, with options like Premier and Elite levels available.

Cost Considerations

The cost of laser hair removal without insurance coverage can vary significantly depending on several factors, including:

  • The size of the treatment area
  • The number of sessions required
  • The hair density and coarseness
  • The geographic location
  • The provider’s experience and expertise

According to various sources, the average cost of laser hair removal can range from $285 to $389 per treatment area. However, it’s essential to note that these costs can quickly add up, especially for larger treatment areas or if multiple sessions are required.

Alternative Hair Removal Methods

While laser hair removal is considered the most effective and long-lasting solution for unwanted hair, some alternative methods may be covered by insurance in certain circumstances. These include:

  1. Electrolysis: This method involves inserting a fine needle into each hair follicle and applying an electric current to destroy the follicle. While it can be time-consuming and expensive, electrolysis may be covered by some insurance plans for specific medical conditions.
  2. Waxing and Shaving: These temporary hair removal methods are generally not covered by insurance, as they are considered cosmetic procedures.

It’s important to note that the effectiveness and cost of these alternative methods may vary, and they may not provide the same long-lasting results as laser hair removal.


While laser hair removal is primarily considered a cosmetic procedure, there are instances where insurance coverage may be available in 2024, particularly for medical conditions that necessitate the treatment. By understanding the factors affecting coverage and taking proactive steps, you can increase your chances of obtaining insurance coverage for laser hair removal, making this effective treatment more accessible and affordable.

For technicians performing laser hair removal procedures, insurance coverage options are available through organizations like the ASCP, providing valuable protection and peace of mind.

Ultimately, it’s essential to thoroughly research your insurance plan’s policies, explore alternative options, and consult with medical professionals to determine the best course of action for your specific needs and circumstances.