Abdominoplasty (tummy tuck) is an elective cosmetic operation not covered by insurance. Even after massive weight loss (such as after gastric bypass), or the stretching of the abdominal wall with twins or multiple births, tummy tuck is still considered cosmetic. Insurance will usually cover hernia repair, but this will also be performed by a general surgeon who will use a scar directly over the hernia--NOT a tummy tuck approach or an aesthetic improvement, just repair of the hernia. Panniculectomy (surgical removal of the fatty skin "apron" that hangs over the pubic area) is sometimes covered if there is medically-documented problem with infections or non-healing wounds from skin chafing, but panniculectomy is NOT a cosmetic tummy tuck, and if you want a better-looking, tighter abdomen, abdominoplasty by an ABPS-certified plastic surgeons will be necessary. The average cost for tummy tuck in the MInneapolis area is around $9000, but exact quotes will require consultation by ABPS-certified plastic surgeons in your area. Best wishes! Dr. Tholen.