Unless your insurance company thinks the surgery is medically necessary, it won’t be covered, says Dr. Val. Womp womp. One sitch where breast implants are covered by insurance is when they’re part of the breast reconstruction process after undergoing a mastectomy, she says. For breast reductions, Rady Rahban, MD, adds that insurance will sometimes pay if the breasts are so large they create symptoms of back pain, neck pain, or rashes under the breasts.