My insurance has approved abdominoplasty , panniculectomy and and mastodopexy - why do surgeons not accept insurance?

You can find plastic surgeons who do take insurance, especially in University Hospital settings. They may choose to do the breast reduction separately from the panniculectomy. Just for your knowledge, your surgery would be panniculectomy and breast reduction. A breast lift by itself is not covered, but is part of the reduction. Most abdominoplasties are considered cosmetic, too. Perhaps when you are looking for a surgeon, use the correct terminology. No insurance covers 1000% and most BCBS policies cover 70-80% of the fees. You would need to pay the rest upfront. Also, bring the letter from the insurance company stating that they will provide coverage for the procedure. Word of mouth is not sufficient.

Insurance companies are notorious for either not paying at all or paying very little. You may want to contact your insurance company for surgeons that take your insurance for these procedures. I'm not sure how much success you'll have. Be sure to do your research to ensure your surgeon is board certified and experienced.

The reason most plastic surgeons do not accept insurance is because reimbursement can be as low as 25% of billed price. If a procedure is covered, I have the patient pay upfront and we submit to the insurance company approving the procedure. The insurance company then pays you the amount they cover.Hope this helps.