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Being a single mom with four kids has got to be the hardest job in the world, but there really is no option but to wait until you can afford it. Elective Cosmetic surgery with a well trained surgeon is expensive. Even if you were able to find a doctor that would do it for free, (which would be diificult) you have to remember too that there are other charges like the surgery center and an anesthesiologist....
You will have to consult your insurance provider to find out if your liposuction is covered. However, in general, the answer would be no unless it would resolve a physical impairment directly caused by excess subcutaneous fat in the area you want to target. However, you may be able to still cover your surgery with financing. Payments can be as little as a couple hundred dollars a month.
Liposuction is not a medically necessary procedure. Its not covered by insurance. Some practices, like mine, offer care credit which allows u to get the procedure u want and u can do a small monthly payment overtime. U should look into that.
Liposuction is elective plastic surgery and not covered by insurance. This means that it needs to be paid for out of your own pocket and unfortunately not everyone can afford it. It seems that this may not be the appropriate time for you to have an elective cosmetic procedure. Sorry.
I can not think of a medical necessity for liposuction. Insurance will not cover the procedure for cosmetic reasons. It seems as if you either need to improve your diet and exercise routine, or save some money for an elective procedure in the future.