Almost certainly not.
If you’re planning a cosmetic procedure, check your health insurance policy for the words “elective cosmetic surgery.” In most policies, you’ll find an exclusion that denies coverage for any treatment arising from a procedure your insurer classifies as elective, even when that treatment is medically necessary.
That means: if you develop a serious infection after a breast augmentation and need IV antibiotics and a hospital stay, your health insurer can deny the entire claim. If a hematoma after a tummy tuck sends you to the emergency room for surgical evacuation, you may be responsible for the full cost. Not because the treatment isn’t necessary, but because the original procedure was elective.
What a complication actually costs
Complication treatment isn’t a prescription and a follow-up visit. Depending on the event, you may be facing:
- An emergency room visit: $2,000–$5,000+
- Hospital admission for infection management: $10,000–$30,000+
- A return to the operating room for hematoma evacuation: $5,000–$15,000+
- Diagnostic imaging and blood work: $1,000–$3,000+
- Anesthesiologist fees (not included in your surgeon’s arrangement): billed separately, even if your surgeon treats you at no charge
Even surgeons who will take a patient back to their own surgical center to handle a complication can’t waive the anesthesiologist’s fee or the supply costs. Those bills still reach the patient.
This is what Aesthetisure covers
Aesthetisure is complication insurance. It covers the cost of treating a covered complication occurring within 45 days of your cosmetic procedure, up to policy limits. One premium, paid once before surgery, per surgical setting.
- No denial letter required. We don’t make you file with your health insurance first and wait for a denial. When you have a covered complication, we start immediately.
- We call your insurer for you. Our claims representative contacts your health insurer directly on your behalf and handles the coordination. You focus on recovering.
- Coverage is immediate. There’s no waiting period, no deductible, and no co-pay structure.
You can’t buy it yourself, but you can ask for it
Aesthetisure is only available through enrolled surgeons. If your surgeon isn’t enrolled, you can ask them to look into it. Patients have done exactly that, and in several cases, the surgeon enrolled because the patient requested it.