Why is it considered cosmetic surgery? Mine were removed with an office visit. My Derm freezes them, it takes only seconds and they are gone for good. Insurance covered it like they do for any office visit. I think it's all how a Dr. office will submit it to insurance. Cosmetic surgery is way more expensive then routine Dr. visit. I'd change Drs. And any Dr. can remove them with freezing, if they aren't by the eye area.