One of the most common questions I'm asked by patients is if I have a
complication from cosmetic surgery, does my medical insurance cover it?
All surgery carries the risk of a complication, and cosmetic plastic
surgery is no exception. The answer to this not infrequently asked question
is maybe. Many major medical health insurance policies exclude treatment of
a complication following elective aesthetic surgery even if it is medically
necessary. So complications like bleeding, infection, drug reaction, and
blood clots are uncommon, they do occur.
At Tarrant Plastic Surgery, prevention of such complications begins with a
thorough medical evaluation and careful patient selection and preparation.
When appropriate, as dictated by factors like age or existing medical
health issues, a medical clearance by your medical doctor may be deemed
necessary prior to surgery.
After a perspective patient's health is evaluated, the specifics of surgery
need to be carefully considered. This includes the nature of the surgery,
the duration of the surgery, and place of surgery. At Tarrant Plastic
Surgery, we perform surgery under general anesthesia in certified surgical
facilities with board certified anesthesiologists for both your safety and
The final step to preventing surgical complications is close post-operative
follow up. We at Tarrant Plastic Surgery provide frequent post-operative
checks to monitor not only the aesthetic outcome, but also to minimize
complications. Often, an early complication, such as minor bleeding or
wound infection, can be treated with antibiotics, wound care, or close
observation. When more significant issues arise, prompt testing and
treatment may be required. And if your major medical insurance excludes
coverage or if you do not have medical insurance, you may be left with
At Tarrant Plastic Surgery, we have recently partnered with a program
called CosmetAssure to address this gap. CosmetAssure is a program that
provides supplemental coverage for medical complications arising from
elective cosmetic surgeries that occur within the first 30 days of the
procedure. CosmetAssure is endorsed by the prestigious American Society of
Plastic Surgeons of which Dr. Rumalla's a member. The coverage is provided
to patients undergoing eligible cosmetic surgery procedures without any
additional fees or charges to them.
For example, if a patient has some unilateral, one-sided leg swelling on
post-operative day number three, a deep venous thrombosis, or a blood clot
in the leg may be suspected. At Tarrant Plastic Surgery, we would order a
venous duplex to evaluate this leg. CosmetAssure would provide the coverage
for this expense.
Finally, to remove confusion, if you are having a procedure which is
covered by your health insurance plan, like breast or skin cancer
reconstruction, then your major medical insurance would cover any
complication arising from those surgeries.
To reiterate, elective cosmetic surgery is extremely safe. But we at
Tarrant Plastic Surgery wanted to take the extra precautionary step at
giving you more peace of mind. Make sure you ask your cosmetic surgeon if
he or she participates in CosmetAssure and learn more about the program,
including its terms, exclusions, and limitations at their website.