Capsular contracture is typically not covered by insurance. In cases of silicone rupture, total capsulectomy may be recommended and covered by insurance. However, most insurance companies do not cover complications from cosmetic procedures. To be sure, contact your insurance company to ask what your specific policy covers.
If you have a severe, painful capsular contracture, your insurance may cover removal of your implants and the scar tissue capsule surrounding them. Any reconstructive procedures to make your breasts look good following removal are not typically covered. Your best bet is following up with a plastic surgeon experienced with implant removal to discuss the best course of action.