If you or someone you love is preparing for a mastectomy and considering 3D nipple tattoos after breast reconstruction, this guide will help you understand how to get your procedure reimbursed by insurance.
I’m Jayd Hernandez, a paramedical tattoo artist who has spent the last seven years helping breast cancer survivors feel whole again after their journey. Over the years, I’ve seen how confusing and frustrating the insurance process can be, so let’s break it down step by step.
Step 1: Know Your Rights Under the Women’s Health and Cancer Rights Act
The Women’s Health and Cancer Rights Act (WHCRA) is a federal law that requires insurance companies to cover not just mastectomy procedures but also breast reconstruction, including 3D nipple tattooing as part of the reconstruction process.
That means your tattoo should be covered. But there’s often a loophole in how insurance companies handle this.
Step 2: Understand the “Out-of-Network” Loophole
Most paramedical tattoo artists are considered out-of-network providers. When that happens, insurance companies can decide how much they’ll reimburse you, and that amount is often less than 100 percent of the cost.
To start, call your insurance company and let them know you’re ready for a medical micropigmentation or 3D nipple tattoo. Ask if they have any in-network providers for that service.
Most insurance companies don’t have a list of in-network artists, since this isn’t a standard service category for them. But if they do, call each provider to confirm they still offer nipple tattooing.
In many cases, medical professionals who used to perform nipple tattoos stopped doing them because, while they were licensed, they often lacked the artistic skill and tattooing experience needed to create realistic, long-lasting results. That’s why many surgeons now refer their patients to experienced 3D nipple tattoo artists who specialize in this work.
Step 3: Choose the Right Artist
If you find an in-network artist, take time to review their before-and-after gallery. Look carefully at their results and see if their style fits what you envision for yourself.
Art is deeply personal, and this tattoo is often the final step in a long, emotional journey. You deserve results that make you feel confident and whole again. Don’t settle for less just because someone happens to be in-network.
Step 4: Get a Letter from Your Surgeon
Ask your breast reconstruction surgeon for a letter of recommendation or a prescription for your 3D nipple tattoo. The letter should state that you are healed and that medical micropigmentation is an important part of your reconstruction. This helps strengthen your case for reimbursement and makes it harder for insurance to deny your claim.
Step 5: Include Proof of the Law in Your Paperwork
Print a copy of the Women’s Health and Cancer Rights Act and include it with your paperwork. Many insurance representatives who process claims are not aware of this law. Including it in your submission can help ensure your case is taken seriously and reviewed properly.
Step 6: Ask If Your Artist Helps with Reimbursement
When you find the right artist, ask if they help clients with medical reimbursement. Some artists work with third-party billing agencies that can file claims directly with insurance companies, making the process smoother and increasing your chances of reimbursement.
Step 7: Appeal If You’re Not Fully Reimbursed
If your insurance company reimburses you for less than expected, you can appeal. Many clients who challenge their reimbursement end up receiving a higher payout, sometimes even 100 percent of the cost. You have the right to reject the first offer and request a review.
Final Thoughts
I wish this process were easier. No one should have to fight so hard to complete their healing journey. But until things change, knowing your rights and taking these steps can make all the difference.
If you’re going through this process, know that you’re not alone. There’s a growing community of survivors, artists, and advocates working to make sure you receive the care and coverage you deserve.
If you work in insurance, billing, or healthcare and have tips that could help others navigate this process, please share them. Your experience could make it easier for someone else.