Can my Flexible Spending Account be used to pay for part of my tummy tuck?

Congratulations on your impressive weight loss!  A panniculectomy which removes the abdominal "apron" is sometimes covered by insurance and considered medically necessary.  A tummy tuck is considered an elective cosmetic procedure and therefore not medically necessary.

If your PS decides that your best solution to removing excess skin is a panniculectomy, insurance is likely to cover.  However, a FSA cannot be used to cover cosmetic procedures such as a TT and muscle repair as they are NOT considered medically necessary.  Any prescriptions which are written for post-operative care can likely be charged to your FSA.  In many cases the reimbursement from the insurance company is so pathetic that PSs will not accept it, and the insurance company makes you pay the deductible.  You will likely be better off financially by financing through Care Credit, Visa, Master Card, AMEX, Altheon, Care card, etc. which covers anesthesia, surgery, follow-up visits, garment, etc.

Dear Bright985077,
in some cases, panniculectomy is covered by insurance. But tummy tuck is an elective procedure which is not covered by insurance. If you are considering a surgery, I would suggest you to consult a board-certified plastic surgeon. Only after a thorough examination you will get more information and recommendations.
Daniel Barrett, MD
Certified, American Board of Plastic Surgery
Member, American Society of Plastic Surgery
Member, American Society of Aesthetic Plastic Surgery