I have spoken previously about the regulations surrounding malpractice insurance in Florida. According to what I have experienced, a plastic surgeon is only required to carry $100,000 in malpractice insurance. If you have to end up suing your plastic surgeon, there are a few factors to consider.
First, the legal fees have to come out of that $100,000. It can take a very long time for your lawyer to research your case. Surgical records have to be pulled and analyzed along with any other pertinent health records.
Second: It can be extraordinarily difficult to prove malpractice took place so there is a decent chance you may not win.
Third: If you DO win, there probably won’t be enough left to cover reconstruction surgery. My reconstruction (just the mounds) and hospital fees cost about $30,000. My nipple reconstruction and revision surgery will be another $10,000 in round numbers.
With the current economy, surgical financing in any decent amount is nearly impossible to come by. So there is every chance that you will have to pay for your reconstruction out of pocket if it is not related to breast cancer.
This regulation needs to be reconsidered. $100,000 is simply not enough money to pay the lawyer AND the doctor.