Massive Weight Loss Surgery Insurance Coverage
Although many plastic surgeons accept insurance, it's rare for massive weight loss procedures to be covered by insurance. The majority of insurance carriers view these procedures as cosmetic in nature and for this reason are reluctant to provide coverage. Rarely, when patients have functional problems related to hanging skin insurance companies may provide coverage. Examples might include back pain, rashes and infections.
If you're considering massive weight loss surgery, it's important to discuss this issue with your plastic surgeon. Your surgeon should be able to guide you through the process.
Will insurance cover my tummy tuck or other procedure after weight loss?
Many times your insurance will cover these procedures. It really depends on your carrier. We almost always send it in to the insurance, even if the patient is out of our area for pre-approval. If you have functional problems like rashes it helps. If it does not cover, then we have a few different financing options for our patients. I do Skype and facetime consultations also.
Treatment of excess skin following weight loss is rarely, if ever, covered by insurance because the insurance companies deem these procedure(s) as not medically indicated and as cosmetic surgery.
Do plastic surgeons accept insurance, and will insurance cover my surgery after weight loss surgery?
Hello! Thank you for your question! Surgical procedures for aesthetic
purposes, to improve appearance, are not covered by insurance.
Typically, these as well as complications resulting from such procedures
are the responsibility of the patient. Procedures that are meant to
correct functional issues and those which cause health-related issues
should be covered by your insurance as a medical necessity, with proper
examination and documentation. Some insurance plans have exclusion
criteria for certain procedures. Also, it is an obligation of the
surgeon not to attempt to authorize purely cosmetic procedures through
insurance. Body contouring procedures following massive weight loss are not commonly covered by insurance. However, discuss your complaints - some plastic surgeons do accept insurance and you should clarify prior.
Discuss your issues and
complaints with a board-certified plastic surgeon to discuss these as
well as to examine and assist you in deciding which procedure(s) will be
the best for you. A discussion of the advantages and disadvantages will
take place along with the risks and benefits. Insurance companies will
vary on coverage and is always reasonable to discuss your issues with
your surgeon and primary care. It would behoove you to get as much
information as possible and even call your insurance yourself.
Certainly, pay in advance prior to your surgical procedure and options
such as financing are available if you qualify. Hope that this helps!
Plastic surgery after significant weight loss is generally a cosmetic surgery. However, if you are having issues with rashes or pain it could be covered with insurance. In Ontario, plastic surgeons can submit a request to OHIP to see if they will pay for the surgery. It may offset several thousand dollars for you. Not everyone will be approved but your surgeon can try. I have advocated for my patients successfully many times. Otherwise body lift surgery costs would be covered by the patient entirely.
Dr Rodger Shortt
Oakville Plastic Surgeon
Will insurance cover my surgery after massive weight loss?
Many plastic surgeons do take insurance. Check with your insurance policy to see if they cover surgery to address rashes after massive weight loss. The surgery that is sometimes covered by insurance only addresses the excess tissue causing the rashes. This is called panniculectomy and is NOT a cosmetic procedure. This is not the same surgery as an abdominoplasty, body lift, thigh lift and/or buttock lift. These procedures are cosmetic and, thus, are not covered by insurance. Schedule a consultation with a board certified plastic surgeon to get a better idea what surgery would be best for you.
Trey Aquadro, M.D.
It's. It that we don't accept insurance, most insurance companies don't cover this type of surgery as it is cosmetic in nature and not coved by your insurance, check with your policy.
Insurance and plastic surgery
Some plastic surgeons accept some insurance, and some insurance covers skin surgery needed after weight loss. But not all surgeons accept insurance, and not all insurance policies cover this.
It's something you and your plastic surgeon need to discuss and you need to ask your insurance company. It's your insurance and you have to do some leg work to find out what you have.
Thank you for your question. In my experience, a body lift is never covered by
insurance. If deemed medically necessary, some insurance companies will cover a
panniculectomy on a case by case basis, but at no time an abdominoplasty or lower body lift. This is
great question to ask your insurance company regarding your plan’s coverage. You can visit the American Society of Plastic Surgeons website to find surgeons in your area. Good luck.