Thinking about having some cosmetic surgery?

Walton Francis, editor of CHECKBOOK’s Guide to Health Plans, says don’t expect your health plan to pick up the tab, but there are two exceptions to that.

If you need to have it after an accident or after some other surgery, you’ll probably be covered.

For example, says Francis, reconstruction after breast cancer surgery is covered by most plans.

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If you’re not sure if you’ll be covered, check with your individual plan.