Hello and thank you for your question. Congratulations on your weight loss. Yes insurance does sometimes cover the removal of excess skin, usually only the excess tummy skin. They never cover a tummy tuck (even when they say they do) but do a panniculectomy, which is removal of excess skin, without contouring.
Peter Fisher M.D.
Thank you for your question and congratulations on your successful weight loss! 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. This is
great question to ask your insurance company regarding your plan’s coverage. I also advise consulting with a board-certified plastic surgeon who has experience with body contouring procedures. Best of luck to you, Dr. Brian Coan
First, congratulations on your weight loss, no doubt this has transformed you life and your health! Insurance policies vary widely from company to company and even across the country, but in my experience, the only time insurance usually gets involved in paying for part of the skin removal is for a "panniculectomy" or "apronectomy" which removes the excess skin below the belly button but does not remove excess skin above (thus does not move the belly button) or tighten the belly wall. Usually they only pay in this instance if you are having problems with recurrent rash and infections under the lower skin fold "pannus" despite appropriate medical therapy. Beyond that, I have rarely if ever seen coverage for inner thighs, arms, back, or sagging breasts. Best of luck with any body contouring you pursue!
You are correct that most often insurance will not cover body contouring procedures after massive weight loss. There are the occasional exceptions. Recommend evaluation by a Board Certified Plastic Surgeon to discuss surgical options.