Are Your Implants Covered? Understanding Plastic Surgery Complication Insurance

Paying a few hundred dollars upfront for complication insurance could save you thousands if something goes wrong after cosmetic surgery. Surprisingly, though, many plastic surgeons still don’t offer this essential protection.

Why Complication Insurance Matters

While cosmetic surgery is generally safe, complications like infections, seromas, or adverse reactions can still occur. Even rare issues like cardiac arrhythmia or deep vein thrombosis can lead to hospital stays and bills ranging from $10,000 to $150,000—expenses not typically covered by standard health insurance.

What Is Complication Insurance?

Complication insurance, like CosmetAssure, is designed to cover unplanned medical costs within a specific window after cosmetic surgery—typically 45 days. It includes coverage for emergency room visits, hospital stays, ambulance transport, and other medical services related to complications.

This insurance is not available directly to patients. Only board-certified plastic surgeons who are members of accredited medical societies can offer it, and all procedures they perform are automatically covered. The cost to the patient is usually between $100 and $300, added to the surgery fee.

What’s Covered and What’s Not?

Covered:

• Infections

• Hematomas or seromas

• Emergency transport or hospitalization

• Lab testing

• Capsular contracture (up to 18–24 months for breast augmentation)

Not covered:

• Cosmetic dissatisfaction

• Revision surgeries

• Optional touch-ups not related to complications

Why Some Surgeons Don’t Offer It

Some surgeons prefer to manage complications in-house without involving third-party insurers. Others feel the reimbursement caps don’t align with costs in large metropolitan cities. However, without complication insurance, patients may be left to cover the full financial burden themselves.

Other Insurance Options

Besides CosmetAssure, programs like Aesthetisure offer similar benefits and are open to a wider range of surgeons. These programs also provide patients with a layer of protection against high post-op medical costs, especially for higher-risk procedures like tummy tucks or body lifts.

Final Takeaway

Complication insurance isn’t just a safety net—it’s peace of mind. If you’re planning cosmetic surgery, ask your surgeon if they offer this type of protection. A small upfront cost could prevent major financial stress in the unlikely event of a complication.