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Almost all health insurance policies will not cover “cosmetic surgery” or “complications from cosmetic surgery” but don't give up so easily. Many policies have exceptions for complications from breast implants under certain circumstances that they consider “medically necessary” or “reconstructive surgery.”. Aug 23, - Health insurance does not cover the cost of a cosmetic breast augmentation. In addition, some health insurance plans do not provide coverage for treating complications resulting from cosmetic breast augmentation or revision surgery done to alter your appearance.