Tummy tuck surgery can drastically improve the appearance of your abdomen. This is especially true for men and women who’ve recently gone through a massive weight loss and for women who are mothers and done having children. Both of these situations can lead to excess skin on the abdomen, which can only be corrected with a tummy tuck.
Still, patients who qualify and would benefit greatly from this surgical procedure are often concerned with how they’ll pay for it. This frequently leads them to see if they can have their tummy tuck covered by insurance.
Below, we’ll take a closer look at the question, “Can a tummy tuck be covered by insurance?” and provide some alternative financing options for those who may benefit.
Tummy Tuck Cost
The cost of a tummy tuck varies widely because each patient has unique needs. Different types of tummy tuck procedures can affect pricing, as can the complexity of the surgery. For an accurate breakdown of the tummy tuck cost, it’s best to schedule a consultation with a qualified surgeon.
Type of Tummy Tuck
First, the type of tummy tuck procedure you choose can influence the overall cost. A mini tummy tuck is sometimes less expensive than a full tummy tuck, for example. Ultimately, your specific goals and the amount of excess skin you want removed will help determine which option is right for you—but it will also affect pricing.
Scope of Surgery (Additional Procedures)
If you’re combining a tummy tuck with other cosmetic procedures, like liposuction or breast augmentation, expect higher costs. Each additional procedure adds to the total time spent in the operating room and may require extra anesthesia or facility fees.
Geographic Location
Geographic LocationUrban centers tend to have higher prices compared to rural areas. Always check the average costs in your area to further understand what you might expect to pay.
Surgeon’s Fee
Some very experienced plastic surgeons may charge more. However, even though choosing the best tummy tuck surgeon may involve higher fees, remember that their expertise can also lead to better results.
Anesthesia Costs
Anesthesia is a crucial part of any surgery, including tummy tucks. Fees for anesthesiologists can vary, so it’s important to factor this into your overall budget.
Surgical Facility (Hospital) Fees
The facility where the surgery is performed can also add to the overall cost.
Additional Expenses
Don’t forget to consider other potential expenses, such as post-operative garments, follow-up visits, and any medications you may need.
Is a Tummy Tuck Covered by Insurance?
In most cases, a tummy tuck is not covered by insurance. Insurance companies typically classify tummy tucks as cosmetic procedures, which means they are not considered medically necessary.
While some patients may argue that excess skin removal is a medical necessity, almost every insurance company has strict guidelines that prevent this type of coverage. Therefore, it’s important to understand that if you’re looking for insurance coverage for tummy tuck surgery, it’s unlikely to be approved.
How Can I Pay for a Tummy Tuck?
If you have now realized that your abdominoplasty is unlikely to automatically qualify for insurance coverage, you may be wondering how to get tummy tuck covered by insurance. However, this might not be the best question to ask.
Most of the time, if you are indeed seeking this surgery for cosmetic reasons, there’s simply no way insurance will cover it. And in this case, you may want to consider one of the following alternative options.
Out-of-Pocket (Cash)
Many patients choose to pay for their tummy tuck out of pocket. This means using personal savings or income to cover the total cost. While it may require some financial planning, it allows you to avoid debt.
Medical Credit
Medical CreditMedical credit companies like CareCredit can help finance your tummy tuck. These companies offer payment plans specifically for medical procedures, making it easier to manage costs over time. Be sure to read the terms carefully to understand interest rates and payment schedules.
Personal Loans
Another option is taking out a personal loan from a bank or credit union. This can provide the funds needed upfront, which you can pay back in installments. However, consider the interest rates and your ability to repay the loan before proceeding.
Credit Cards
Using a credit card is another way to finance your tummy tuck. This option can be convenient if you already have available credit. Just be cautious of high-interest rates that can accumulate if you do not pay off the balance quickly.
Practice Payment Plans: Some surgeons offer practice payment plans, allowing you to pay for your surgery over time. However, this is less common, so it’s worth asking about during your consultation.
FAQs: Tummy Tuck Surgery
Can I get pregnant after a tummy tuck?
Yes, you can get pregnant after tummy tuck surgery. However, significant weight changes from pregnancy may affect your results and, in some cases, may result in the need for a tummy tuck revision after you’ve recovered from birth. Many women choose to wait until they are done having children before undergoing tummy tuck procedures to ensure they maintain their results.
Can I combine a tummy tuck with other procedures?
Yes, many patients choose to combine a tummy tuck with other plastic surgery procedures, especially if they’re getting a tummy tuck after weight loss or pregnancy.
Request a Consultation Appointment with Dr. Mason
A tummy tuck can remove excess skin and fat, tighten the abdominal muscles, and give you that slender, trim look you desire. Whether you’re a mom who’s done having children or you’ve recently gone through significant weight loss and now have loose skin, tummy tuck surgery can be life-changing.
It all starts with a consultation. At this appointment, board-certified plastic surgeon Dr. Rachel Mason will discuss your goals with you, review relevant medical records, perform a short physical examination, and talk to you about your options.
Call our office today to book a consultation and learn more about tummy tuck surgery. Dr. Mason would be happy to meet with you.