Insurance is Covering my Breast Reduction, Will They Cover a Tummy Tuck Too?

I am having a breast reduction paid for my tricare/united healthcare. But lately I have also been considering a tummy tuck as well. Tomorrow I am calling my plastic surgeon to talk to him about possibly getting it done at the same time, and having insurance cover it. Since my pregnancy and weight loss it seems like my flappy-skin tummy isn't getting any smaller. Its almost just lifeless skin hanging there. It is always irritated, and rashy. Is there any chance it can be covered?? Please help

Doctor Answers 11

Insurance is Covering my Breast Reduction, Will They Cover a Tummy Tuck Too?

I am sorry to hear about the problem you are having with the abdominal wall skin after weight loss. Unfortunately, it is very unlikely that any health insurance company will cover tummy tuck surgery.  Sometimes, panniculectomy surgery is a "covered procedure". Best to check with your insurance company for specifics.

 Best wishes.

San Diego Plastic Surgeon
5.0 out of 5 stars 1,485 reviews

Insurance and TT

Unfortunately, insurance does not cover a tummy tuck. Occasionally with documentation of recurrent infection they will pay for a panniculectomy (simply removing loose skin).

Larry S. Nichter, MD, MS, FACS
Orange County Plastic Surgeon
4.9 out of 5 stars 154 reviews

It is unusual for tummy tuck to be covered by insurance.

Tummy tuck is usually elective, cosmetic procedure; therefore, most tummy tuck is not covered by insurance.  If you have documented medical problems (rashes, cellulitis, etc) arising from the pannus, panniculectomy may be covered by certain insurance carriers. It would be best for your plastic surgeon to examine you and have him/her give you the guidance.

Sugene Kim, MD, FACS
Houston Plastic Surgeon
4.7 out of 5 stars 76 reviews

Probably not...

I don't think so....Insurance companies are pretty tight with that sort of thing nowadays....There would have to be other issues for them to bite off on that!!!

John J. Corey, MD
Phoenix Plastic Surgeon
4.6 out of 5 stars 44 reviews

Coverage for abdominoplasty

Insurance companies are very difficult to deal with these days.   They only time they will cover a panniculectomy to remove the excess, overhanging skin is if it has been infected and nonresponsive to antibiotics for a year (and I mean IV antibiotics). I have had only 2 of these cases approved, both after enormous weight loss of greater than 250 pounds.  The insurer will take  the position that the intention is cosmetic and that the rashes should be treated topically.  

Robert L. Kraft, MD, FACS
New York Plastic Surgeon
5.0 out of 5 stars 39 reviews

Insurance for TummyTuck

Tricare/United is a difficult company to get anything covered. I would consider you fortunate to get the Breast Reduction covered. Tummy tuck will definitely not be covered.

Ronald V. DeMars, MD
Portland Plastic Surgeon
5.0 out of 5 stars 27 reviews

Insurance is Covering my Breast Reduction, Will They Cover a Tummy Tuck Too?

        Insurance will sometimes cover a panniculectomy after massive weight loss, but it will not cover a tummy tuck.




Kenneth Hughes, MD Los Angeles, CA

Kenneth B. Hughes, MD
Los Angeles Plastic Surgeon
4.9 out of 5 stars 492 reviews

Insurance is Covering my Breast Reduction, Will They Cover a Tummy Tuck Too?

Almost all insurers consider a TT to be cosmetic. Some avoid the issue and  just exclude coverage for TT regardless of the indication. 

The only answer of importance will come from your insurer, and your surgeon can help with that. All the best. 

Jourdan Gottlieb, MD
Seattle Plastic Surgeon
4.6 out of 5 stars 45 reviews

Insurance Coverage and Tummy Tuck Surgery

You really need to be asking your insurance company as they dictate what they will cover and what they won't. Having said that I am doubtful it will be covered as tummy tucks are usually deemed "cosmetic." 

Jeffrey Hartog, MD
Orlando Plastic Surgeon
4.5 out of 5 stars 60 reviews

Insurance for Breast Reduction and Tummy Tuck

Insurance companies each have their own guidelines. Your surgeon will know if there might be a possibility to get some coverage due to the issues you have with rashes etc., although tummy tuck surgery is usually considered a cosmetic procedure, it won't hurt to try. Good luck!

Miguel Delgado, MD
San Francisco Plastic Surgeon
4.8 out of 5 stars 75 reviews

These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.