Home Details for Patients Frequently Asked Questions (FAQ)

Patient FAQ

If I am having an elective aesthetic procedure soon, but I do not see my surgeon on the PatientInsure website, may I obtain coverage directly from PatientInsure?

No, the PatientInsure program is designed only for patients of Cosmetic Surgeons who have applied and qualified for the program. If you do not see your current surgeon's name on our website, it may not be too late for him/her to apply for our program prior to your surgery.

I already have health insurance. Do I still need PatientInsure coverage?

Yes, the majority of major medical insurance policies have excluded payment for complications if they are the result of an elective cosmetic procedure, even if medically necessary.

What do I have to do to qualify for PatientInsure?

You must be a patient of one of the PatientInsure Participating Physicians, as well as, be scheduled to have one or more of the 18 Covered Procedures listed on the website. This procedure or procedures must be performed under general anesthesia or intravenous sedation.

My insurance is paying for my original cosmetic procedure. Do I still qualify for PatientInsure?

No, you must have an elective aesthetic procedure that is one of the 18 covered by PatientInsure on a fee-for-service basis.

Does PatientInsure cover my expenses incurred from a re-do if I do not approve of the aesthetic outcome of my procedure?

PatientInsure is designed to cover certain medical complications. Dissatisfaction with the aesthetic outcome is not a Covered Complication and is not listed as a medical complication in the Qualifying Admissions on the PatientInsure policy.

What is an Incurral Period?

The Incurral Period is the period of time (30 days) that a Covered Complication must occur and be treated in a Hospital, ER, or an Accredited Surgery Center in order for PatientInsure Benefits to be paid.

When does my 30 day Incurral Period begin?

The 30 day Incurral Period begins immediately following the administration of local anesthesia or intravenous sedation in preparation of a Covered Procedure.

Can I opt-out of coverage?

No, this is a benefit to you as a patient for choosing a PatientInsure Participating Physician. This Physician has chosen to provide all of his/her patients with this benefit if the patient qualifies. He/she is very aware that the vast majority of Major Medical Health insurance policies do not cover complications of an elective aesthetic procedure, even if medically necessary.

If my own health insurance provides coverage for medical complications following plastic surgery, will PatientInsure cover my co-pay and/or deductible?

Yes, PatientInsure Benefits are Primary. Therefore, we will pay the first dollar up to our maximums as denoted in the list of PatientInsure Benefits.

Details for Patients