The majority of major medical health insurance policies now exclude treatment of medical complications if those complications are a result of an elective aesthetic surgical procedure. The Aesthetic Surgeons’ Financial Group (ASFG) developed a program called CosmetAssure in order to address the issue of a lack of coverage for medical expenses due to medical complications arising from elective aesthetic surgical procedures.
CosmetAssure is an affordable solution to the risk of complications that can occur following elective aesthetic procedures. CosmetAssure is endorsed by the prestigious American Society of Plastic Surgeons (ASPS) and is exclusively available to Active members and Candidate Members (once the written portion of the Plastic Surgery Board Exam has been passed) of the ASPS. Once a physician becomes active in the CosmetAssure program, all of his/her patients having one or more of the 17 Covered Procedures must be registered. Once a patient is registered, they will then receive Benefits should a Covered Complication occur as defined in the Qualifying Admissions section of this website.
In order for patients to receive Benefits in the event of a Covered Complication, not only must they be registered through their Participating Physician, but they must be admitted to a Hospital, Emergency Room, or an Accredited Surgical Center within 30 days of the Cover Procedure(s). In addition, admission must be pursuant to one of the approved Admitting Diagnoses. The 30 day period, also known as the Incurral Period, begins immediately following the administration of general anesthesia or IV sedation on the patient’s day of surgery.
Without CosmetAssure, patients and surgeons may be left with a financial burden should a complication arise after elective aesthetic surgery. With CosmetAssure the patient and the surgeon have the opportunity to focus on the surgery rather than worrying about the adverse economic impact of possible complications. In order to accommodate the vast consumer and physician interest in this product, a Details for Patients page as well as a Details for Physicians page can be accessed on this website.
Important CosmetAssure Points to Remember
- The majority of major medical health insurance policies exclude treatment of a complication following elective aesthetic surgery, even if medically necessary.
- CosmetAssure is an innovative insurance product for patients having elective aesthetic surgical procedures.
- Board-certified plastic surgeons designed this program for their peers. (Candidate members of the ASPS who have passed their written Plastic Surgery Board Exam are also eligible.)
- CosmetAssure is a solution to the lack of coverage for medical complications that can occur during or after elective aesthetic surgical procedures.
- All surgeons must go through an approval process prior to becoming a CosmetAssure Participating Physician.
- CosmetAssure is only available for patients through a Participating Physician.
- There are 17 elective aesthetic surgical procedures that are covered.
- CosmetAssure covers certain medical complications that can occur during or after one or more of the 17 Covered Procedures.
- If a complication occurs, CosmetAssure may eliminate the worry of possible financial burdens.
- Trained claims representatives handle all CosmetAssure claims.
