I only live on disability income. I have Humana Gold for insurance. How can I afford a tummy tuck and boob job?

Doctor Answers 10

Mommy Makeover

Thank you for your question.
Your insurance will not cover these surgeries.. They are considered elective  procedures. I suggest saving the money or looking into financing companies .Best of luck.

Reading Plastic Surgeon
4.9 out of 5 stars 145 reviews

I only live on disability income. I have Humana Gold for insurance. How can I afford a tummy tuck and boob job?

Thank you for your question.  Insurance will not cover a tummy tuck and breast augmentation.  Many plastic surgeons offer financing plans through care credit or alphaeon that you can apply for.  Best wishes

Jeff Angobaldo, MD
Dallas Plastic Surgeon
5.0 out of 5 stars 108 reviews

Affording a Tummy Tuck

Thank you for your question.

Insurance typically does not cover cosmetic plastic surgery.  To pay for this, you will either have to save your own money, or apply for financing.  CareCredit, Alphaeon, and Prosper are more commonly used companies.

Sometimes when money is an issue, a patient will seek out the "cheapest option".  That "cheapest option" is often not the best option in the long run.  Be careful who you pick to ultimately do your surgery, and make sure they are a board certified plastic surgeon.  Best of luck!

Michael A. Epstein, MD, FACS
Chicago Plastic Surgeon
4.9 out of 5 stars 49 reviews

Living on disability income but wants tummy tuck and boob job

Thanks for your question.  As others have stated, unfortunately, insurance companies will not cover any of these elective cosmetic procedures.  Your options are to save up the money, use a typical credit card, or use CareCredit (a credit card for cosmetic surgery).  However, you must always keep in mind that, should you have a complication requiring hospitalization or long term treatment, you will be responsible for all of those charges.  That will not be included in your initial surgery fee.   Best of luck to you.  

Jeffrey G. Lind II, MD
The Woodlands General Surgeon
5.0 out of 5 stars 22 reviews

Cosmetic surgery payment by insurance

Thank you for asking about your mommy make-over.

  • These are cosmetic self-pay procedures so insurance will not pay for them.
  • If you are disabled, it will be very difficult but the only way to have them is to save the money
  • Financing can be arranged for cosmetic surgery but it requires proof of income -
  • A disability income may not be enough to meet financing criteria but it does not harm to ask.
  • Care Credit is a common financing used for cosmetic surgery
  • You can go to their website and see if you meet their criteria on the on-line assessment form.
Always see a Board Certified Plastic Surgeon.
Hope you find this information helpful. Best wishes.

Elizabeth Morgan, MD, PhD
Atlanta Plastic Surgeon
4.6 out of 5 stars 43 reviews

Insurance and cosmetic surgery

 Thank you for your question. Insurance does not cover elective cosmetic surgery such as a tummy tuck or breast augmentation. There are different financing options to make the monthly payments more affordable. Please visit with a board-certified plastic surgeon to explore your options and the timing of those options in more detail. 

Young R. Cho, MD, PhD
Houston Plastic Surgeon
4.8 out of 5 stars 38 reviews

Cosmetic surgery is not covered by insurance

Sorry to inform you that cosmetic surgery is not covered by insurance.  It is unfortunately expensive so you will need to start saving in the range of $12,000 to $20,000 depending on your case would require.  The expenses include the surgeons fee, the anesthesia fee, implant cost, and the facility fees.

Robert N. Severinac, MD
Fort Wayne Plastic Surgeon
4.8 out of 5 stars 23 reviews

Financing or Layaway Plan

Good afternoon,

Unfortunately, insurance and government programs do not pay for plastic surgery procedures. Our facility offers layaway plan and financing. If you do financing you can have your surgery done as soon as possible and then pay little by little. If you choose layaway you can pay for your procedure little by little and then have your surgery done.  

Keith S. Berman, MD
Miami Plastic Surgeon
4.4 out of 5 stars 14 reviews

Paying money for a mommy makeover.

Insurance generally plays no role in financing a mommy makeover. The best way to pay for the procedure is to save the money. Credit is available through many plastic surgery offices but is more expensive because of the interest.

Vincent N. Zubowicz, MD
Atlanta Plastic Surgeon
4.8 out of 5 stars 36 reviews


Because these procedures are considered elective, insurance and government programs do not pay for them. You will need to save, borrow or earn the money in order to proceed.

Robert H. Hunsaker, MD
Miami Plastic Surgeon
4.5 out of 5 stars 82 reviews

These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.