I realize cosmetic surgery isn't usually covered by insurance but what about the consultation?

Depends : Most physicians will have a charge for the consultation but will credit the consultation fee towards the cost of the procedure.

Depends: The best place for an answer s to ask your insurer

Yes, possible: some cosmetic procedures are covered by insurance like breast reconstruction after mastectomy , breast reduction , when weight of large breasts causing back pains. Some plastic surgeons provide free consultation. Speak to your doctor , may know some one who can advise you.