What is Aesthetisure?
Aesthetisure is complication insurance for cosmetic surgery. It covers the cost of treating a medical complication that occurs within 45 days of a covered cosmetic procedure, up to policy limits. It is not health insurance and does not replace your health plan.
Why do I need this if I have health insurance?
Most health insurance policies contain an exclusion for complications arising from elective cosmetic surgery. Even when treatment is medically necessary, your health plan may deny the claim because the original procedure was elective.
Can I buy Aesthetisure myself?
No. Aesthetisure is available only through enrolled surgeon practices. Your surgeon registers you and collects the premium. If your surgeon isn’t enrolled, you can ask them to look into the program.
How much does it cost?
The premium is a one-time charge per surgical setting, regardless of how many procedures are performed. Exact amounts vary by state and program tier. Your surgeon’s office can quote you.
What does "per surgical setting" mean?
If you’re having multiple procedures at the same time, you pay a single premium. Each separate surgical date is a separate setting.
What's the 45-day coverage window?
Coverage begins on the date of surgery and lasts 45 days. Any covered complication treated within that window is eligible for a claim. For capsular contracture after primary breast augmentation, the window is 12 months.
What complications are covered?
Hematoma, seroma, infection, wound dehiscence, capsular contracture, DVT, pulmonary embolism, embolism (including fat embolism), skin necrosis, and others. See the full list on our Covered Procedures & Complications page.
What isn't covered?
Revision surgery for aesthetic dissatisfaction, complications after the 45-day window (except capsular contracture: 12 months), procedures not on the covered list, and injectables.
Do I have to file with my health insurance first?
No. Aesthetisure does not require a denial letter from your health insurer before processing your claim.
Who handles my claim?
Our claims representative manages each case personally, start to finish. They contact your health insurer on your behalf.
How do I file a claim?
Contact your surgeon’s office, or call us directly at (800) 362-1542. Your surgeon provides the surgical notes, and we take it from there.
What if my health insurance does pay part of the claim?
We coordinate benefits with them to cover the remaining eligible balance, up to policy limits. This avoids double payment to the provider.
What if my surgeon isn't enrolled?
Ask them. The enrollment process takes minutes. Patients asking their surgeons to enroll is one of the most common ways practices discover the program.
Does coverage apply at my surgeon's office or urgent care?
Coverage applies at emergency rooms, hospitals, and accredited surgical facilities. If your surgeon’s office is an accredited surgical facility, treatment there qualifies.
How long has Aesthetisure been around?
The team behind Aesthetisure has been managing insurance for cosmetic surgery complications since 2004.