Reconstructive surgeries for trauma survivors would be covered under Loughran Cappel measure that heads to Senate floor

SPRINGFIELD – State Senator Meg Loughran Cappel passed a measure through the Senate Insurance Committee that would require insurance coverage for medically necessary reconstructive surgeries as a result of a traumatic experience.

“Victims shouldn’t have to be reminded of a traumatic accident when they look in a mirror,” said Loughran Cappel (D-Shorewood). “Whether it’s a scar from domestic violence or a car accident, injuries should be covered by insurance.”

House Bill 1384 would require HMO's, Medicaid and individual and group health insurance policies to cover medically necessary reconstructive surgeries to restore a person’s physical appearance that was damaged by trauma.

Currently, Medicare patients pay 100% of non-covered services, including most cosmetic surgeries. There are no provisions for cosmetic surgery for state employee’s group insurance. Reconstructive breast surgery is covered if it’s in connection with a mastectomy.

“These treatments should be considered medically necessary for survivors who are candidates for a reconstructive surgery,” said Loughran Cappel.

House Bill 1384 passed the Senate Insurance Committee and heads to the Senate floor for further consideration.

• HB1384