if you really do have phimosis your insurance may cover it because your foreskin is deffective and not functioning properly

however, circumcision will leave an ugly scar and hurt a lot so i'd avoid it and look for alternatives to phimosis ( i think there are creams and foreskin stretching exercises for that condition that may work depending on how severe your phimosis is)

there are alternitives to butchering your dick. go to multiple urologists and discuss the alternitives, theres a cream that will work wonders. try that before you destroy 50% of your sexual function.

no. It is a cosmetic surgery, not covered.