Will Insurance Cover Laser Hair Removal For PCOS

For those diagnosed with Polycystic Ovary Syndrome (PCOS), excessive hair growth can be an emotionally painful and confidence-shattering reality. The combination of facial and body hair along with irregular menstrual cycles, acne, and other PCOS symptoms often lead to plummeting self-esteem.

Will Insurance Cover Laser Hair Removal For PCOS

As someone who has battled hirsutism (abnormal hair growth) for years, I know firsthand how devastating each new coarse dark hair can be.

Will Insurance Cover Laser Hair Removal For PCOS

The good news is that laser hair removal offers a safe, effective way to gain control over PCOS-related unwanted hair. But the bad news is that it can be prohibitively expensive. With individual laser hair removal treatments ranging from $150 to over $500 per session depending on the body area being treated, cost becomes a massive obstacle for many women with PCOS seeking this treatment route.

The key question then is: will insurance cover laser hair removal for PCOS symptoms like hirsutism? Should this be deemed medically necessary care for a recognized condition rather than an optional “cosmetic” treatment?

Below I’ll walk through key considerations around insurance coverage, steps for boosting your chances for coverage approval, and alternative hair removal routes if paying 100% out-of-pocket poses too big a financial hardship.

Diagnosing PCOS: The Starting Point for Coverage Conversations  

First, a PCOS diagnosis from your gynecologist, endocrinologist, or other physician represents the essential starting point for making your case for insurance coverage for laser hair removal or other PCOS symptom management care.

As background, PCOS impacts up to 20% of women of childbearing age. The three main diagnostic criteria include:

  • Irregular menstrual cycles
  • Excess androgen (male hormone) levels, indicated by symptoms like hirsutism or adult acne
  • Polycystic ovaries detected on an ultrasound

If you haven’t already, schedule an exam with your gynecologist or endocrinologist and share all PCOS-related symptoms you’re experiencing. Ask for appropriate bloodwork and imaging tests to confirm a PCOS diagnosis beyond any doubt. Having this iron-clad diagnostic proof will strengthen arguments that your treatments are medically necessary rather than purely cosmetic preferences.

Insurance Coverage Challenges for Laser Hair Removal

Now for a reality check. Non-essential aesthetic procedures like laser hair removal are almost universally excluded from health insurance coverage. This leaves patients battling hirsutism to foot steep out-of-pocket bills.

Insurers categorize such treatments under so-called “cosmetic services” rather than medically necessary care. Their argument – removing unwanted hair growth fails to treat the root hormonal disturbances causing conditions like PCOS. Plus, they view something like excess facial or body hair as merely a superficial annoyance rather than severely impairing physical health.

However, the intimate reality for countless women with PCOS is that visible symptoms like hirsutism severely undermine mental health and quality of life. The profound embarrassment and loss of self-confidence stemming from rampant hair regrowth can be utterly devastating psychologically. It often severely hinders professional life and destroys intimacy.

When conditions so drastically incapacitate normal functioning, one could argue a valid case for medical necessity coverage by insurers. But granted, they rarely view it from this empathetic lens currently unless strong patient advocacy and appeals emphasize these crippling psychological impacts.

Potential Paths to Covering Laser Hair Removal

While gaining insurance coverage poses immense challenges, there are still potential avenues to offset or fully cover laser hair removal costs. These include:

  • Filing Passionate Appeals – Craft detailed appeal letters emphasizing hirsutism’s life-altering psychological toll and why removing excess hair growth is “medically necessary”, not purely cosmetic. Provide clinical research on relevant mental health consequences.
  • Seeking Preauthorizations – Have your physician submit preauthorization requests for a set number of laser sessions to treat PCOS, detailing why it’s a medical imperative for their patient’s wellbeing.
  • Tapping Flex Spending Accounts – FSAs or HSAs can be utilized to pay since they allow tax-free withdrawals for qualified medical expenditures.

Staying silent means allowing insurers to restrict access to transformative treatments on arbitrary grounds. With concerted efforts, coverage is possible in exceptional cases given hair removal’s immense mental health benefits.

The road won’t be easy overcoming systemic claim denials but for sufferers of hirsutism, traveling it is well worth potential freedom. 

Possible Exceptions and Strategies to Boost Chances of Coverage  

First, coverage exceptions exist in rare cases for transgender patients undergoing gender reassignment procedures. Treatments like laser hair removal or electrolysis may be covered when deemed essential prerequisites for a successful transition by medical experts.

For those with PCOS, physicians specializing in the condition may be willing to deem laser hair removal or electrolysis medically necessary and appeal coverage denials. Endocrinologists best positioned to advocate for patients might include PCOS experts, professors conducting research, doctors based at specialized women’s health clinics, or providers listed in resources like the PCOS Challenge Top Doctors Directory.

When meeting doctors for initial consults before pursuing insurance appeals, come armed with documentation of:

  • Diagnostic workups confirming your PCOS diagnosis beyond any doubt
  • Clinical photographs and measurements demonstrating worsening growth of terminal hairs over time
  • Description of emotional/mental health impacts of ongoing hirsutism
  • Cost documentation if continuing with painful out-of-pocket treatment methods like waxing or plucking
  • Research on PCOS hirsutism points to clear medical recommendations for permanent hair removal methods

This evidence could equip your doctor to write a strong letter of medical necessity. The lynchpin for getting the insurer’s attention and bolstering hopes of an approved claim.

Alternatives If Coverage Remains a Dead End  

Even after robust appeals, some insurance plans may refuse to budge on labeling PCOS laser hair removal as purely cosmetic. Don’t lose heart. More affordable and tolerable options exist than waxing or plucking if you’ve hit dead ends for coverage after following all the strategies and advice outlined above.

If laser remains out of reach for now, electrolysis performed by a certified electrologist offers a viable path to permanent hair removal over longer courses of treatment.

Though still at considerable financial cost. Or an interim step could include investing in an at-home device like the Tria Laser 4X which reduces costs over in-office visits while still leveraging proven diode laser technology.

While home lasers only weakly damage hair follicles requiring repeat treatments. They help contain growth between occasional professional sessions within budget.


I hope this guide has armed you with everything needed to confidently navigate conversations with your doctor. Develop winning arguments explaining the medical necessity of permanent hair removal for PCOS. And appeal denials by insurers if initial requests for coverage are rejected.

Your condition is real, has a massive quality-of-life impact, and deserves insurance-subsidized access to transformative treatments.

Keep fighting for the care that you need. Don’t allow setbacks along the way to cloud the end goal: reclaiming confidence, femininity, and control over your body.

More Related Content

Previous articleHow to get Recruiters to Find you on LinkedIn
Next articleQuick View on the USAA International Car Insurance Application Process