Senator Loughran Cappel

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.

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Office Info

Springfield Office
Wm. Stratton Building
Section C, Room M
Springfield, IL 62706
(217) 782-0052

District Office
20660 Caton Farm Rd. Unit D
Crest Hill, IL 60403
(815) 267-6119

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