Will Insurance Pay for a Mommy Makeover?

The hernia may be covered by insurance but the diastasis recti would probably not be as it would be considered cosmetic.

I would visit with a board certified plastic surgeon who also does reconstructive surgery.  They may be able to get the umbilical hernia portion of the procedure covered.  The rest would be considered elective and not covered by insurance.

Your insurance will most likely cover the cost of the hernia repair but it is highly unlikely that any insurance company today would cover the cost of the mommy makeover.Best of luck,

         It would be unusual
for an insurance company to cover the expense of a mommy makeover procedure.
Although your umbilical hernia would probably be covered, the mommy makeover
would be considered cosmetic. If the umbilical hernia was repaired at the time
of the mommy makeover, your insurance carrier might cover a portion of the
expense. It’s important to discuss this issue with your surgeon before
proceeding with surgery.

It is rare for insurance to pay for the MM part, but the muscle portion may qualify if you find a surgeon in network and a surgeon to do the procedure for you cosmetically.