SPRINGFIELD – Reconstructive surgeries as a result of a traumatic experience will be covered by insurance under a new law spearheaded by State Senator Meg Loughran Cappel.

“It’s not easy to be reminded of a traumatic experience every time a survivor looks in the mirror,” said Loughran Cappel (D-Shorewood). “We have to provide the essential resources so survivors can recover without being burdened by hospital bills.”

The new law requires HMOs, 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.

“This initiative was designed to help survivors continue to process and recover from their tragedy,” said Loughran Cappel. “They no longer will have to weigh the cost versus necessary health care.”

House Bill 1384 was signed into law Friday and takes effect Jan. 1, 2024.