Permanent Makeup & Paramedical Tattoo Artistry
The Women's Health & Cancer Rights Act (WHCRA)
WHCRA (Women's Health and Cancer Rights Act of 1998) is a federal law that protects patients who undergo a mastectomy and choose breast reconstruction. If a health insurance plan covers a mastectomy, it generally must also cover certain reconstructive services.
What WHCRA Requires Insurance to Cover
If breast reconstruction is elected after a mastectomy, coverage must include:
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Reconstruction of the breast that underwent the mastectomy
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Surgery and reconstruction of the opposite breast to achieve symmetry
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Breast prostheses (breast forms)
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Treatment of physical complications related to the mastectomy, including lymphedema
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All stages of breast reconstruction, including revisions when medically necessary
Does WHCRA Cover Areola Reconstruction and Areola Tattooing?
Yes. Nipple and areola reconstruction, including nipple/areola tattooing as part of breast reconstruction, is generally considered a covered reconstructive service under WHCRA when performed following a covered mastectomy and reconstruction.
What this means to you?
Insurance Verification Questions for Areola Tattooing
1. Does my health insurance plan cover nipple and areola tattooing after breast reconstruction?
2. Is nipple and areola tattooing considered a covered benefit under the Women's Health and Cancer Rights Act (WHCRA)?
3. Do I need a referral, prescription, or letter of medical necessity from my surgeon or physician?
4. Is prior authorization required before receiving areola tattooing services?
5. Are services covered if performed by a licensed tattoo artist specializing in paramedical tattooing rather than a physician's office?
6. What CPT, HCPCS, or diagnosis codes should be submitted for reimbursement?
7. Does my plan provide out-of-network benefits for areola restoration tattooing?
8. What percentage of the procedure cost will be covered?
9. What is my remaining deductible and out-of-pocket responsibility?
10. Are touch-up procedures covered if medically necessary?
11. Is bilateral (both breasts) areola tattooing covered?
12. What documentation is required for reimbursement?
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Itemized receipt
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Provider information
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Letter of medical necessity
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Operative reports
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Before and after photos (if required)
13. Can I submit a reimbursement claim after paying for the procedure out-of-pocket?
14. What is the timeframe for submitting a reimbursement claim?
15. Where should reimbursement forms and supporting documentation be submitted?
16. Can you provide written confirmation of coverage for nipple and areola tattooing?
Information to Have Ready When Calling
Patients should be prepared to provide:
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Insurance member ID number
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Date of mastectomy and reconstruction
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Referring surgeon's name
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Procedure: "Nipple and Areola Restoration Tattooing" or "3D Areola Tattooing"
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Provider name: Pink Ink PMT
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Provider type: Licensed Tattoo Artist specializing in Paramedical Tattooing
How to get Reimbursed
Insurance Reimbursement Assistance
Many insurance plans may provide reimbursement for areola restoration tattooing following mastectomy and breast reconstruction. Coverage varies by carrier and plan. We recommend contacting your insurance company before your appointment to verify benefits and determine any requirements for reimbursement.
After your procedure, we can provide:
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Itemized receipt
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Procedure description
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Provider information
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Additional supporting documentation upon request
Patients are responsible for submitting claims directly to their insurance carrier. We do not guarantee reimbursement, as coverage decisions are made solely by your insurance provider.
This wording helps protect your business while giving patients a clear path to pursue reimbursement.
Financing Options
At Pink Ink PMT, we believe everyone deserves access to restorative and confidence-building services without financial stress. To help make your treatment more affordable, we offer flexible financing options through trusted third-party providers.
Financing may allow you to:
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Receive your procedure now and pay over time
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Choose from a variety of payment plans, subject to approval
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Enjoy a quick and simple application process
Whether you're seeking areola restoration, permanent makeup, scar camouflage, or another paramedical tattoo service, financing can help make your goals more accessible.
Pre-qualification is available through participating financing partners and may be completed in just a few minutes.
For more information about available financing options or assistance with the application process, please contact us. Our team is happy to help you find a payment solution that fits your budget.