Common for Insurance to Cover Tummy Tuck?

After having had three c-sections, my lower belly has loose skin and a huge smiley face. I would like to know, is it common for insurance to cover tummy tuck to remove the excess skin?

Doctor Answers 17

Tummy Tuck

A tummy tuck or abdominoplasty procedure is a cosmetic procedure and not covered by insurance. A panniculectomy is removal of the fat and skin in the lower abdomen without the tightening of the muscles. This may be covered by insurance but it is usually approved for patients with large lower abdominal pannus with skin issues such as rashed and infections.

Orange County Plastic Surgeon
5.0 out of 5 stars 77 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

Insurance coverage for tummy tuck.

It is unusual for insurance companies to cover a tummy tuck, because it is considered cosmetic. However some insurance companies will cover a panniculectomy, to address very large amounts of loose abdominal skin.
You might check to see if any of your local plastic surgeons offer a financing plan. Good luck!

Francis X. Fleming, MD
Kennewick Plastic Surgeon
4.5 out of 5 stars 17 reviews

Tummy Tuck Covered by insurance? Connecticut

Tummy Tuck is a cosmetic surgery and is not covered by insurance.

There are 3 types of tummy tuck's. Mini-tummy tuck, Regular and Extended. The cost of a tummy tuck depending on which type of tummy tuck you will need.
Duration of surgery: 2-4 hours depending on the amount of liposuction. In my technique the scar is placed extremely low, approximately 7 cm from the vaginal crease within the bikini line. The belly botton scar is "inny". Muscles are tightened in midline, liposuction of the lower lateral aspect of the abdomen, along with the upper abdomen and flanks to improve the contour. A pain pump in inserted to control the pain for the first 48 hours and reduce the amount of narcotics taken.
Anesthesia: General by a board certified anesthesiologist in an accredited surgical facility or hospital setting
Recovery after Tummy Tuck:
  • about 3 hours in the recovery room
  • 2-3 days in hunched over position. Surgical discomfort is controlled with pain pump and pain meds.
  • 10-14 days back to the activities of daily living
  • 4-6 weeks normal exercise
Financing available through CareCredit

Alfred Sofer, MD, FACS
Fairfield Plastic Surgeon
4.9 out of 5 stars 24 reviews


You will have to consult your insurance provider to find out if your tummy tuck is covered. However, in general, the answer would be no unless it would resolve a physical impairment directly caused by excess skin in the area you want to target, and a tummy tuck is proven to be the most suitable treatment for you.

However, you may be able to still cover your surgery with financing. Payments can be as little as a couple hundred dollars a month.

Jerome Edelstein, MD
Toronto Plastic Surgeon
5.0 out of 5 stars 176 reviews

Common for insurance to cover tummy tuck?

Hello! Thank you for your question! Surgical procedures for aesthetic purposes, to improve appearance, are not covered by insurance. Typically, these as well as complications resulting from such procedures are the responsibility of the patient. Procedures that are meant to correct functional issues and those which cause health-related issues should be covered by your insurance as a medical necessity, with proper examination and documentation. Some insurance plans have exclusion criteria for certain procedures. Also, it is an obligation of the surgeon not to attempt to authorize purely cosmetic procedures through insurance.  Typically this is a cosmetic procedure and should not be covered. 

Discuss your issues and complaints with a board-certified plastic surgeon to discuss these as well as to examine and assist you in deciding which procedure(s) will be the best for you. A discussion of the advantages and disadvantages will take place along with the risks and benefits. Certainly, pay in advance prior to your surgical procedure and options such as financing are available if you qualify. Hope that this helps! Best wishes!

Lewis Albert Andres, MD
Scottsdale Plastic Surgeon
5.0 out of 5 stars 26 reviews

Common for Insurance to Cover Tummy Tuck?

Unless there is some unusual circumstance, insurance companies generally do not cover tummy tuck surgery. In other words, insurance companies do not consider this operation medically necessary. Sometimes, however insurance companies will cover excision of lower abdominal wall skin/apron;  this operation is called a panniculectomy. Best wishes.

Tom J. Pousti, MD, FACS
San Diego Plastic Surgeon
5.0 out of 5 stars 1,486 reviews

Insurance Coverage for Tummy Tuck

Thank  you for your question.  Unfortunately, both mini tummy tucks and full tummy tucks are considered cosmetic procedures and therefore are not typically covered by insurance.  However, many surgeons do offer financing options and/or payment plans which might help you spread the out of pocket expense over time.  Good luck.

Mark Deutsch, MD
Atlanta Plastic Surgeon
5.0 out of 5 stars 32 reviews

Tummy tuck is cosmetic and is not covered by insurance

A true tummy tuck (tighten skin, abdominal wall) is considered cosmetic and is not covered by insurance. However, a VERY large area of loose skin may be covered and would be called a panniculectomy. You would need to show that this large fold of skin is causing some kind of medical problem such as frequent skin infections and rashes. After 3 c-sections, you would probably do best with a cosmetic tummy tuck. Ask your plastic surgeon which procedure would be best for you.

Parham Ganchi, PhD, MD
Wayne Plastic Surgeon
4.8 out of 5 stars 154 reviews

Tummy tuck or abdominoplasty is a cosmetic operation.

Insurance does not cover a tummy tuck. Loose skin and stretched out abdominal muscles are not considered a "functional" medical problem, but are cosmetic. The only procedure an insurance co. might cover is a panniculectomy. This is a condition mainly seen in patients who underwent massive weight loss and now have an abdominl fat apron that covers the pubic area or even can reach down to the mid thighs. Often these patients have infections and skin breakdown in the folds. Removing this excess skin only is a panniculectomy. It is performed mainly by general surgeons ( oddly, they like to call this a tummy tuck). It is not a tummy tuck, it is part of a tummy tuck.

George Marosan, MD
Bellevue Plastic Surgeon
4.8 out of 5 stars 38 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.