Will Insurance Cover a Tummy Tuck – How to Obtain Insurance for Tummy Tuck

Will insurance cover a tummy tuck? Most likely not. Now, you might be thinking about insurance policies for cosmetic procedures, as they seem to cover the cost of a tummy tuck.

READ ALSO: Insurance Vehicle – What Factors Affect the Price of Vehicle Insurance

Because they are rarely viewed as medically required procedures that will either save your life or enhance it, tummy tucks are usually classified as cosmetic and elective surgery. Cosmetic and elective operations are typically not covered by health insurance policies.

Will Insurance Cover a Tummy Tuck

What is a Tummy Tuck?

Abdominoplasty, another name for a tummy tuck, is a surgical operation that removes excess skin and fat from the abdomen while tightening the underlying muscles.

Men and women with loose or sagging abdominal skin from aging, major weight loss, or pregnancy can have it done. Your surgery may be considered medically necessary in some circumstances, and you will be eligible for some insurance reimbursement.

Your surgeon’s office will go over your financing and insurance alternatives during your appointment.

What is the Cost of Tummy Tuck?

Fortunately, in terms of cosmetic treatments, tummy tucks are reasonably priced. If you are prepared to save a little cash, you won’t have to compromise your health to finance the procedure.

It typically costs between $5000 and $6000, while the price could vary significantly depending on the surgeon’s experience level and the location of the treatment. For instance, the price of a stomach tuck might range from $3000 to $12,000 in certain cases.

You should take the time to sit down with your doctor and discuss your goals, just like you would with most medical treatments. It can end up costing far less than average if you require a smaller, less invasive tuck.

Factors that Affect the Cost of Tummy Tuck

The following factors will determine the cost of a tummy tuck:

  • The location.
  • The type of procedure.
  • The experience of the surgeon.
  • The facility’s fees.

These are just a few factors.

CHECKOUT: Insurance Exam – How to Register for an Insurance Exam

How to get Insurance to Cover Tummy Tuck

The following steps will help you improve your chances of receiving insurance coverage for your tummy tuck:

  • Recognize What Your Insurance Covers: Understanding what your policy covers is the first step in obtaining insurance to pay for your tuck. The majority of health insurance policies only pay for surgeries that are medically required; thus, the primary goal of the surgery shouldn’t be just aesthetic.
  • Obtain a Referral from Your Doctor: A physician or other healthcare provider must determine that a tuck is medically required before an insurance company will consider paying for it. Make an appointment with your healthcare physician and explain your perceived need for it. They can give you a referral letter that will support your claim when you submit it if they concur that it is medically essential for your bodily and/or mental health.
  • Document Medical Necessity: You must submit proof that the tummy tuck is medically essential in addition to the doctor’s recommendation letter. This can include any prior treatments you had for the ailment, lab results, and medical documents. Any signs or problems resulting from extra skin or fat around the abdomen that interfere with your day-to-day activities should be noted.
  • File a Claim with Your Insurance Company: Once you have all the required paperwork, you can file a claim and have it reviewed by your insurance company. Include any pertinent documentation, such as the letter of recommendation from your physician and any corroborating medical records. After reviewing your claim, your insurance provider will decide whether to pay for it.

If your insurance company declines to pay, there are other financing choices available. To make the treatment more accessible, several plastic surgery clinics provide financing alternatives or payment plans.

How to Obtain Insurance for Tummy Tuck

Follow the instructions listed below to get this insurance:

  • Go to the official websites of insurance providers like UnitedHealthcare, Aetna, Cigna, and many others.
  • The UnitedHealthcare official website can be accessed at https://www.uhc.com
  • Just scroll down the page and click on “Contact us” to get their contact information.

For more information on how to implement this policy, give them a call.

YOU MAY LIKE: Will Insurance Cover LASIK – How to get Insurance for LASIK

Frequently Asked Questions

Below are some frequently asked questions.

Does Insurance Cover Tummy Tucks?

The majority of the time, insurance does not pay for abdominoplasty treatments. The surgery is not covered by insurance plans unless it is deemed medically essential for reconstructive purposes.

If Insurance Does Not Cover an Abdominoplasty, what is the Estimated Total Cost?

The entire cost of a tummy tuck procedure can range from $6,000 to $13,000 depending on the complexity of the operation, the fees charged by the surgeon and anesthesiologist, and the location of the institution.

What Is the Typical Recovery Period Following Tummy Tuck Surgery?

The full recovery from a tummy tuck treatment typically takes several weeks, as it involves major dietary and exercise modifications. Before you can resume any workout activities after surgery, patients should allow themselves two to four weeks of recovery time, however, this can vary based on specific conditions.


One efficient method to lessen the appearance of extra skin and fat in the abdomen is to have a tummy tuck. Additionally, it can aid in enhancing the tone and form of the abdominal muscles.

For those who want to undergo this procedure, financing solutions are available even if insurance usually does not cover this treatment.

You may always work out a payment plan with the cosmetic clinic you want to use if this seems a little pricey to you. After this procedure, you will be able to live a better life without worrying about having to pay off a sizable amount all at once thanks to this.