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Insurance Program for Cosmetic Surgery

Posted Jun 18 2009 1:03am


There's an interesting new service available with cosmetic plastic surgery. Cosmet Assure, is an insurance program covering complications from many of the larger cosmetic procedures. For less then $200 you can purchase up to almost $250,000 of coverage for catastrophic care.

What many patient's don't realize, is that your health insurance contract usually has some disclaimer that lets them refuse to cover any complications specifically from cosmetic surgery. This is not always enforced, but there are a number of horror stories where a patient has had a severe infection or pulmonary embolus (blood clot to the lungs) requiring VERY expensive hospital care and their insurer has subsequently refused to pay for their care.

I have no financial stake in CosmetAssure which is based here in Alabama and the brain-child of local Plastic Surgeon, Dr. James Grotting. However, like many of my surgical mentors, I have decided the risk/benefit ratio for this program is worth it for both my patients and my peace of mind.
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