Insurance companies and medical insurance companies, like HMO’s, as a rule, do not cover cosmetic surgery. The exceptions to this rule are when the surgery corrects a functional problem or deformity. Unfortunately, penis length and width, or lack thereof, the conditions you are concerned about-- are not considered deformities. But other conditions are.

Insurance Companies Do Not Always Pay

Insurance companies would like you to believe they cover you on every claim submitted. The truth is, they do not want to pay claims-- they will do and say anything to find loopholes and exclusions to reject them. And you have to counterattack the very same way.

For the insurance or medical company to allow coverage, you have to convince them that the surgery you are applying for is either functional, restorative or to correct a genetic deformity— not for cosmetic reasons.

Below is a list of functional problems, deformities and pre-existing conditions that have the best chance of qualifying for penile elongation coverage:

• Micropenis (Length).  Less than 3 ½ inches erect should get the approval as a non-functioning penis, especially if you are trying to procreate and are unable.

• Micropenis (Width).  Less than 3 ½ inches erect in circumference that prevents procreative copulation.

• Peyronie's Disease.  A degenerative condition causing blood to flow unevenly in the sides and bottom of an erect penis, resulting in an irregular, deformed erection.

• Neurogenic Bladder.  A flaccid or spastic bladder that results in penile shortening.

• Aggressive Circumcision.  Some men waiting until they reach adulthood before circumcision have also received functional anomalies at this late stage.

• Genital Trauma.  Accidental, or intentional trauma or dismemberment to any part of the genitalia requiring restorative surgery.

Note:  Penile widening, other than Micropenis, does not qualify for insurance coverage. 

Another Reason to Use Only a Board Certified Plastic Surgeon

A surgeon who agrees with your need to correct a functional problem or deformity may write a letter to your insurance company on your behalf. The opinion of an esteemed plastic surgeon may be very persuasive in obtaining insurance coverage.