Health insurance can help protect you from the high costs of illness or injury. It also helps you get regular health care, such as exams and vaccines.This Clinical Policy Bulletin addresses breast and ovarian cancer susceptibility gene testing, prophylactic mastectomy, and prophylactic oophorectomy. A preventive mastectomy involves removing both of your breasts. This greatly reduces your risk of developing breast cancer in the future. Prophylactic surgery is intended to prevent the development of disease. It is different from therapeutic surgery in that patients are usually asymptomatic. Moreover, the evidence to date does not indicate that contralateral prophylactic mastectomy reduces mortality. Does that mean I need to start filling out the recordkeeping forms? There's no yearly limit on what you pay out of pocket, unless you have supplemental coverage—like Medicare.