Declining reimbursement in traditional OB/GYN practices has pushed many OB/Gyns to broaden their practice to include specialized, aesthetic procedures to bring in extra revenue. Among those procedures commonly being considered by OB/GYNs, is laser vaginal rejuvenation. This raises the issue of medical malpractice insurance coverage and whether special coverage is needed to insure physicians for performing vaginal rejuvenation and other medi-spa type procedures in their practices. The answer to whether special or additional coverage is needed lies in the insurance contract of the current medical malpractice insurance carrier. Some policies clearly state procedures considered outside the scope of a traditional practice are excluded, while others exclude any procedures not disclosed in the original application for medical malpractice insurance.
However, with the proper training credentials verified, some medical malpractice insurance policies will extend coverage to OB’s and Gynecologists performing aesthetic procedures such as vaginal rejuvenation. Presidio Insurance works with Medical Protective, The Doctors Company and Norcal Mutual Insurance who will generally consider extending coverage for some of the following aesthetic procedures: Tumescent Liposuction, Botox & Fillers, Cellulite treatment and Vaginal Rejuvenation Therapy, which can be done surgically or minimally invasive with lasers. Laser Vaginal Rejuvenation Therapy can be done within an hour in the practitioner’s office and the convenience of a very short recovery period. However, this is a procedure that only recently has grown in popularity and many medical malpractice insurance policies are not designed to cover it.
Anytime there is a change in scope of practice, removing or adding procedures, staff or even contracts, it is a good idea to check with your medical malpractice insurance broker and confirm your policy provides coverage.
Visit us at www.PresidioInsurance.com for more information on this coverage or call us directly at (800)317-6411.