How to Get a Tummy Tuck Paid For by Insurance

A tummy tuck, also known as abdominoplasty, is a cosmetic surgery procedure that removes excess skin and tightens the muscles in the abdomen. This can be a life-changing procedure for many people, as it can improve their self-esteem and confidence. However, tummy tucks are also expensive, and many people are not able to afford them out of pocket.

Fortunately, there are some cases in which insurance companies will cover the cost of a tummy tuck. This is typically only the case if the procedure is deemed to be medically necessary.

What is Medical Necessity?

Medical necessity is a term used to describe a medical treatment or service that is considered to be essential for the diagnosis, treatment, or prevention of a medical condition. In order for a tummy tuck to be considered medically necessary, it must be shown that the procedure is necessary to improve the patient’s health or physical function.

What Conditions Can Make a Tummy Tuck Medically Necessary?

There are a number of conditions that can make a tummy tuck medically necessary. These include:

  • Excess abdominal skin that is causing pain, rash, or infection
  • Chronic back pain caused by excess abdominal weight
  • Diastasis recti, a condition in which the muscles of the abdomen have separated
  • Skin problems such as dermatitis or intertrigo
  • Incontinence

In order to increase your chances of having your tummy tuck covered by insurance, it is important to be able to demonstrate that you have one of these conditions. This will typically require a diagnosis from a doctor and medical documentation of your condition.

How to Get Approval from Your Insurance Company

If you believe that you may be eligible to have your tummy tuck covered by insurance, the first step is to talk to your doctor. They will be able to assess your condition and determine whether or not the procedure is medically necessary.

If your doctor believes that the procedure is necessary, they will need to write a letter to your insurance company requesting approval. The letter should include a detailed explanation of your condition and why the procedure is necessary.

You will also need to provide your insurance company with medical records supporting your claim. This may include medical records, letters from doctors, and photographs.

Once you have submitted all of the required paperwork, your insurance company will review your request. They will make a decision about whether or not to approve your request within a few weeks.

What to Do If Your Insurance Request is Denied

If your insurance request is denied, you have a few options. You can appeal the decision, or you can pay for the procedure out of pocket. You can also consider financing the procedure through a medical loan.

Tips for Increasing Your Chances of Approval

There are a few things you can do to increase your chances of having your tummy tuck covered by insurance:

  • Get a referral from your doctor.
  • Provide extensive medical documentation.
  • Work with a plastic surgeon who is experienced in performing tummy tucks for medically necessary reasons.


Getting a tummy tuck covered by insurance can be a challenging process, but it is possible. By following the tips in this blog post, you can increase your chances of success.

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