It's no secret that the Patient Protection and Affordable Care Act has affected the insurance industry from top to bottom. In order to survive and thrive, operators have had to adhere to part of the mantra of the U.S. Marines: adapt and overcome.

One such company, U.S. Advisors Inc. of Brentwood, Tennessee, in August started offering an assurance program to hospitals and surgeons who use a prescription drug called Cellerate, which is used to treat surgical incisions and major lacerations. Cellerate works to speed the healing process so patients who have undergone major surgery recuperate from their incisions faster. It also has been used to prevent amputations performed on diabetics, and as a barrier to prevent further infections.

U.S. Advisors offers the assurance program in case a patient treated with Cellerate needs to be re-admitted to a hospital should an infection occur. For program purchasers, the company will reimburse up to $5,000 of unreimbursed costs. The program also can be used if an insurance company or Medicare says the infection was preventable and refuses to pay for a re-admit.