What steps do I have to take to get my insurance to cover a liposuction procedure?

Thank you for your question. As it turns out, lipo is considered a cosmetic procedure and would almost never be covered by health insurance. It would be a very rare circumstance. You can call your health insurance company for guidelines, or reach out to the surgeons office you plan to go to for guidance. You will probably need quite extensive documentation to support medical need for lipo to submit to your insurance.

Unfortunately liposuction is considered a cosmetic procedure, which is not covered by insurance. The definition of cosmetic surgery varies, though from an insurance perspective, cosmetic surgery refers to any surgery with the purpose to modify or improve the appearance of a physical feature with no specific medical reason to do so. A medical need could include a condition that causes significant physical dysfunction or psychological distress to a patient, but many health insurance companies have defined criteria to determine if the surgery meets the requirements for coverage. I would call your insurance company for clarity, good luck!

Except in the rarest circumstances, liposuction is not covered by medical insurance. The only example I can think of is as part of a reconstructive procedure. However, a huge amount of documentation and pre-authorization would be required. 
However, the majority of Plastic Surgeons do accept financing. In most cases you can finance all or part of your surgical costs.   Be sure to have your procedure performed by a Board Certified Plastic Surgeon (Board certificate= 'American Board of Plastic Surgery').  Hope this helps!  Good luck!
Ricardo L Rodriguez MD