Unless there is some unusual circumstance, insurance companies generally do not cover tummy tuck surgery. In other words, insurance companies do not consider this operation medically necessary. Sometimes, however insurance companies will cover excision of lower abdominal wall skin/apron; this operation is called a panniculectomy. The panniculectomy operation involves excision of the lower abdominal wall pannus or overhanging skin/adipose tissue. It is not considered an aesthetically driven procedure; it is often performed to help with concerns such as skin breakdown, infections/rashes… Best wishes.
A tummy tuck is considered cosmetic and is not covered by insurance. In some instances insurance will cover a panniculectomy. This is a procedure that removes a hanging flap of abdominal tissue due to the tissue causing other medical issues such as rashes or infections. This is not the same thing as a tummy tuck. Tummy tucks address loose abdominal tissue and underlying muscle separation.
