Jeff
References :
16+ yrs experience – http://www.InsurancePickle.com

There is another alternative to paying full price if you are still looking to having it done. Ameriplan is a discount health benefits company that has been in business for 16 years and even though the are not insurance, they can help you save money on your cosmetic surgery should you find a provider in your area (or where you'd be willing to travel to have it done.)

You can check out the plans as well as the listing of providers in Illinois. I did briefly check and there are 30 pages of cosmetic surgeons listed in the state of Illinois. So depending upon which part you live it, there most likely should be providers available.

I have been with Ameriplan for over 2 years and actually have quite a few members on the plan who live in Florida and use it for cosmetic surgery reasons.

The website to check it all out is http://www.mybenefitsplus.com/40398854

Let me know if you have any specific questions. But hopefully this will be able to help you out a bit!

Good Luck!
References :

Breast reconstruction – like after a mastectomy – is covered. But if you want a boob job, save your money.
References :
agent, 21+ years

Your insurer may cover it if your doctor requires it for health reasons such as gastric bypass if you are significantly obese or reconstructive breast surgery after a mastectomy.

If you do not have a health condition, then you will have to finance the elective surgery yourself. Your policy will have a section on "Exclusions and Limitations" which list procedures not covered by the insurer.

If you are in the process of selecting a policy, you should be able to get a sample before you purchase which you can then review and see what may not be covered.
References :
Insurance agent