Introducing CosmetAssure

 

While medical complications are rare after plastic surgery, events during or after your procedure could require an unplanned visit to a hospital or surgical center. In most cases, medical expenses of complications resulting from elective procedures may not be covered by your health insurance carrier. Therefore, Dr. McKane offers all of his cosmetic surgery patients CosmetAssure.

CosmetAssure is an insurance program that provides coverage for 30 days following your surgery in the unlikely event that you should experience a covered complication. CosmetAssure is only available to patients of plastic surgeons who are board certified by the American Board of Plastic Surgery.

Covered procedures:

• Abdominoplasty
• Breast Augmentation
• Breast Lift
• Breast Reduction
• Brow lift
• Buttock Lift
• Cheek implants
• Chin augmentation
• Cosmetic eyelid surgery
• Facelift
• Gynecomastia
• Liposuction
• Lower body lift
• Otoplasty
• Rhinoplasty
• Thigh Lift
• Upper Arm Lift

 

Covered Expenses for Hospitalization of 24 hours or longer and ICU/Trauma Admittance:

• Services of physicians, other than the Plastic Surgeon who performed the Covered Procedure, and registered nurses (R.N.)s
• Anesthetics and their administration
• Laboratory tests
• Oxygen and its administration
• Blood and blood derivatives that are not donated or replaced, and their administration
• Radiological procedures
• Prescription drugs prescribed during the Hospitalization, and a follow-up thereto
• Room and board up to the most common charge for a semi-private room or ICU/Trauma, when required, and hospital ancillary services (including but not limited to use of operating room).

 

Covered Expenses for Hospitalization of less than 24 hours:

• Services of physicians, other than the Plastic Surgeon who performed the Covered Procedure, and registered nurses (R.N.)s
• Anesthetics and their administration
• Laboratory test
• Oxygen and its administration
• Blood and blood derivatives that are not donated or replaced, and their administration
• Radiological procedures
• Prescription drugs prescribed during the Hospitalization, and a follow-up thereto
• Hospital ancillary charges (including but not limited to use of the operating room or an observation room).

 

Covered Expenses for Non-Hospital Rule-Out DVT:

• Services of Physicians, other than the Plastic Surgeon who performed the Covered Procedure
• Laboratory tests
• Radiological procedures.

 

Covered Expenses for Ambulance Service:

• Professional ambulance service to a Hospital within 50 miles of the patient’s home
• Air ambulance service to a Hospital when such service is ordered by a Physician and is accomplished in an aircraft used primarily for transporting sick or injured persons.

 

Covered Expenses for Follow-up Physician Services:

• Services of Physicians, other than the Plastic Surgeon who performed the Covered Procedure
• Anesthetics and their administration
• Laboratory tests
• Oxygen and its administration
• Blood and blood derivatives that are not donated or replaced, and their administration
• Radiological procedures
• Prescription drugs prescribed during a follow up visit or as a follow-up thereto.

 

Benefit Period

 

Covered Expenses for a Covered Complication are payable until the earliest of

• The date the Covered Complication no longer requires further Hospitalization, or Follow Up Physician Services
• The date the Maximum Benefit Amounts are paid
• The expiration of the Benefit Period (six months from the date of the original qualifying admission due to a Covered Complication).

 

Maximum Benefit Amounts:

The following amounts are the maximums that apply during any one Benefit Period for all Covered Complications due to the same Surgical Event:

Benefit Hospitalization of 24 hours or longer

• Maximum Amount $5,000 per day up to a maximum of 45 days

 

Benefit ICU/Trauma Admittance

• Maximum AmountAdditional $1,000 per day up to a maximum of 10 days

 

Benfit Hospitalization of less than 24 hours

• Maximum Amount$2,500

 

Benefit Ambulance Service

• Maximum Amount$2,000

 

Benefit Follow Up Physician Services

• Maximum Amount$1,500

 

Benefit Rule Out Deep Vein Thrombosis-Non Hospital procedure

• Maximum Amount$750

 

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