Please read this and tell me what you think, insurance coverage

for tummy tuck, here is a word for word paragraph of what is in my insurance book regarding coverage for reconstructive surgery please tell me your thoughts. Medical Limitations & Exclusions Cosmetic Surgery, ETC... - Any surgery, service, drug or supply designed to improve the appearance of an individual by alteration of a physical characteristic which is within the broad range of normal but which may be considered unpleasing or unsightly, except for: reconstructive surgery necessitated by an accidental injury; or services provided to comply with the requirements of the womens health and cancer rights act (i.e., reconstructive of the breast on which a mastectomy has been performed or surgery and reconstruction of the other breast to produce symmetrical appearance, and physical complications of all stages of a mastectomy, including lymphedemas). coverage will be provided for such care as determined by the attending physician in consultation with the patient and which begins within three (3) years following a mastectomy; or necessary to correct a congenital abnormality in a covered dependent child. note: examples of cosmetic surgeries which are not covered include: surgery for saggy or extra skin, any procedure utilizing an implant which does not alter physiological funtions, unless medically necessary.

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