Nancy Kerrigan -- Good Genes or Good Docs?

Nancy Kerrigan's good looks are nothing to skate over!

Here's a 25-year-old version of the former Olympic figure skater back in 1994 (left) and 23 years later ... the now 48-year-old mother of 3 was photographed at a dance school in Beverly Hills earlier this year (right).

Gold!

The question is ...