What to Do for Insurance Coverage for Tummy Tuck and Breast Reduction?

Hello! Thank you for your question! Surgical procedures for aesthetic
purposes, to improve appearance, are not covered by insurance.
Typically, these as well as complications resulting from such procedures
are the responsibility of the patient. Procedures that are meant to
correct functional issues and those which cause health-related issues
should be covered by your insurance as a medical necessity, with proper
examination and documentation.  Some insurance plans have exclusion criteria for certain procedures.  Also, it is an obligation of the surgeon not to attempt to authorize purely cosmetic procedures through insurance.  Having surgery done for depression or body dysmorphia is never a wise decision and you should discuss your issues with your physician/surgeon.Discuss your issues and
complaints with a board-certified plastic surgeon to discuss these as
well as to examine and assist you in deciding which procedure(s) will be
the best for you. A discussion of the advantages and disadvantages will
take place along with the risks and benefits. Insurance companies will
vary on coverage and is always reasonable to discuss your issues with
your surgeon and primary care. It would behoove you to get as much
information as possible and even call your insurance yourself.
Certainly, pay in advance prior to your surgical procedure and options
such as financing are available if you qualify. Hope that this helps!
Best wishes!

Kim,
Many insurance plans will pay for certain operations for body contouring when medically necessary, such as:
1) BREAST REDUCTION
2) PANNICULECTOMY (removal of excess abdominal skin)
3) HERNIA REPAIR
Most PPO, and POS plans and even Medicare will cover some of these operations. However, every insurance company has different requirements before they will cover them. You should check with your insurance company and even consider upgrading to a different insurance company or insurance plan.