How to Get a Tummy Tuck Paid for by Insurance | Tips & Warnings

Most of the time, abdominal surgery is only for cosmetic reasons and is not covered by most insurance plans. Even though you might need the procedure because you have a rash or an infection, in this case, some of the cost of a tummy tuck may be covered by insurance. Please talk to your doctor. Undergo regular examinations and speak to your doctor about any side effects of gastric surgery. Let’s learn how to get a tummy tuck paid for by insurance.

If you need stomach surgery because you have a medical problem, your insurance may pay for the surgery, too. Stomach surgery is a good idea for many people, but it can be very pricey. Because of this, it might be challenging to find insurance that will pay for abdominal surgery. However, that doesn’t mean that it can’t happen.

How to Get a Tummy Tuck Paid for by Insurance?

How to Get a Tummy Tuck Paid for by Insurance

Talk to your doctor at home. You should get regular checkups and talk to your doctor about abdominal surgery’s risks and side effects.

Your health insurance may help pay some costs if you have health problems, but it may not cover everything.

Take a look at your abdomen to see if you have any pain there. People who have a lot of food in their stomachs are more likely to have this side effect.

For back pain, most health insurance companies will pay for a breast reduction, and some will even pay for a tummy tuck if your belly is making the problem worse.


  • Ask your doctor to send you a brochure from your health insurance company about health problems that can happen when you have an abdominal ulcer.
  • There may or may not be cosmetic procedures that your health insurance doesn’t cover. Find out if there are any.


  • If you want your insurance to pay for cosmetic surgery, don’t try to make it look like you have health problems.
  • Before having any surgery, always talk to your plastic surgeon.
  • If you want to get cosmetic surgery, it’s not easy to get health insurance that pays for it. Don’t give up before you even try.

Covering Tummy Tuck Costs

How to Get a Tummy Tuck Paid for by Insurance

First, many patients want to know if their insurance will pay for the cost of abdominal surgery. Yes and no.

Most of the time, abdominoplasty is just for looks, and most insurance companies don’t pay for it, even though you might need the procedure because you have a rash or an infection.

Your insurance company may cover the cost of the tummy tuck in this case, but it may not cover everything. Why not all of the money? You can do this in two stages. In the first phase, the abdominal muscles are tightened to smooth the body.

It gets even better: In phase two, you will remove extra skin, and the hide in the center is tightened to make it look better. Health insurance will cover the second phase because they need to cut off too much skin to avoid a rash or infection. The type of insurance varies a little regarding what they cover and what isn’t, but it’s not significantly different.

All insurance is slightly different in what they will or won’t cover. Some insurance policies may cover another type of surgery, called a pancreatectomy, which can help.


This procedure only removes the skin that bulges (panniculus). It doesn’t strengthen muscles, move the bladder, shape the waist, or lift excess skin. Most insurance companies have stringent rules about covering panniculus.

Many people also make their criteria public, so you can see if they meet them before you hire them. Pancreatectomy usually requires a lot of skin tightening after losing weight (more than 100 pounds). This can cause problems like bacterial infections. You must show your insurance company proof and photos that they have approved.

Some plastic surgeons will charge you to have your tummy tucked. Other plastic surgeons charge for a cosmetic tummy tuck. This is usually less expensive than a full abdominoplasty. Still, the price can vary greatly depending on the insurance company, your location, and the doctor who does the surgery.

Frequently Asked Questions

Will Insurance Ever Provide Coverage For a Mommy Makeover?

Patients who qualify for partial insurance coverage for mommy makeover procedures may be able to get it, even if it is uncommon. Although this isn’t a common practice, some insurance companies may partially pay mommy makeover treatment if the patient has a medical condition that the procedure can remedy.

Tummy tucks and breast reductions may be covered by insurance as part of a mommy makeover. Even if a stomach tucks or breast reduction is part of a mommy makeover, most insurance companies will only cover partial costs. All this, if a doctor certifies that the procedure is necessary to alleviate symptoms like a ventral hernia or back or shoulder or neck pain caused by huge breasts.

How much is a tummy tuck?

According to our research, the national average tummy tuck costs $6, 2531. However, the price will vary depending on the individual’s surgical needs, surgical fees, anaesthetic, and cosmetic surgery center or hospital costs.

Does insurance cover a tummy tuck?

Most insurance plans do not cover a belly tuck treatment. It is not medically necessary to have an abdominoplasty (a treatment to remove excess skin from the abdomen). Medical insurance does not pay for procedures that you don’t need (medically) and does not improve physical capability, and HSA reimbursements are not available for these types of policies.

Insurance may cover a panniculectomy when dramatic weight loss necessitates removing a significant amount of redundant skin.

How can I finance and pay for a tummy tuck procedure?

On the day of the procedure, most cosmetic or plastic doctors demand money. There are several ways to make a payment. Of course, you can rely on your funds to pay for the process. Many plastic surgeons do not extend credit to their patients, so if you prefer to pay over time, you should be aware that very few plastic surgeons do so through their clinics.

The CareCredit credit card may be a simple way to pay for plastic surgery because practically all of them accept general-purpose credit cards.

Can I use my CareCredit credit card to pay for a tummy tuck procedure?

Yes. If approved, cosmetic procedures such as liposuction, a mommy makeover, and breast augmentations can be paid for with a CareCredit credit card through the CareCredit network if you are approved. CareCredit offers special financing and flexible monthly payments for stomach tucks, making it easier to pay for the procedure over time. If you need Botox, microdermabrasion, or laser skin resurfacing, you may all be paid for with your CareCredit card, and you can use it again and again.

Bottom line

When people have cosmetic surgery, they often get a tummy tuck to remove extra skin from their lower back. Many people have lost a lot of weight through dieting, exercise, or bariatric surgery like it—women who have kids like it the best.

After this type of surgery, even though you remove the fat from the lower back, extra skin around the waist can stay, making the waistline look saggy no matter how much you move. This can happen even if you drive a lot.

Having a lot of extra skin can also cause rashes and swelling, which can be very uncomfortable and painful. People who have insurance will pay for the skin-tightening part, but they’ll have to pay for the muscle-tightening part.


Adam Grabois is an expert in all aspects of Insurance and Property with 20 years of experience. He is a licensed broker of all lines including property, casualty, life, and health. As a licensed adjuster, he is well-versed in all aspects of insurance, and he owns All Needs Insurance agency in Florida.

He attended Tufts University where he earned his undergraduate degree, followed by a Master's degree from Columbia University.

Adam shares his breadth of experience by helping many businesses and individuals manage risk and protect themselves financially. He now shares this with the audience of the "Pro Insurance Info" website.

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