Is there any loopholes to get insurance to pay for an upper and lower body lift?

Most insurance carriers pay for surgery only if it helps fix a medical or functional problem.  Most body lifts are not done to fix a functional problem, but to make patients look and feel better.  That is the definition of cosmetic surgeries.  There may be exceptions in rare cases, but even those sometimes are not covered by insurance carriers, due to the fact that specific procedures such as tummy tuck, body lift, arm lift, or breast lift may be "exclusions in coverage benefits" under a patient's policy.  This means that they will not be covered even if a patient and the doctor prove that the procedure is medically necessary.As for "loopholes", honest surgeons (the type you probably want operating on you) will not get anywhere near them, as putting their signatures on false records and reports will jeopardize their standing with the State medical board, with the state government, and with the federal government.

You are like many patients who lose a lot of weight and find that loose skin is a limiting factor in completing the weight loss transformation. Many people require surgery to treat this problem. Unfortunately, insurance only covers procedures that are deemed medically necessary, and the only procedure covered after massive weight loss is panniculectomy or removal of the abdominal pannus, which is the loose skin between the belly button and the pubic region. Most insurance companies will only cover a panniculectomy with evidence of skin infection or irritation of the skin in that region from skin being folded on itself, and often times they require surgeons to send in photographs. We as plastic surgeons, can get in a lot of trouble for insurance fraud if we try to game this system. That being said, many of us are dedicated to helping patients like you achieve their results so that you can feel the rewards of your hard efforts of losing weight. There are options for patients to have surgery at lower cost, an you may look into local universities that may have resident clinics. These training programs often allow senior residents to perform the surgeries at a significantly lower cost to you. The surgeries are overseen by very well respected board certified plastic surgeons who specialize in these procedures so you are assured to have good care and excellent results.