Insurance

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Would insurance companies cover this if you have leg discrepancy and wanted to add a few extra cm's? Or would you need to cover the 'cosmetic' bit yourself which probably includes extra time in the hospital and you needing surgery on the other leg.

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that really depends on your insurance. leg descrepancy should be fixed due to long term effects on your whole body.
you need to talk to your insurance.

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You will have to pay for everything except fixing the discrepancy.  No insurance company would pay for CLL, probably not even for dwarfism.