Last updated on August 9th, 2018
“Will my insurance cover a tummy tuck surgery” is something that many people have wondered. After all, there are many reasons to need a abdominoplasty, with the two most popular times for people to get a tummy tuck being after pregnancy and after major weight loss.
But tummy tuck procedures are expensive. An average cost is $5,500, but they can easily be over $10,000 if a more involved surgery is required. That is a lot of money to shell out. Money that most people do not have laying around. That leads many people to ask if their insurance plan will pay for the tummy tuck.
Will Insurance Cover A Tummy Tuck Surgery?
A tummy tuck is usually classified as an elective, cosmetic procedure. It probably doesn’t feel that way when you need one, especially if the reason is that you had a baby or lost a lot of weight. However, many insurance companies feel that you can live without the procedure, so they do not want to pay for it.
But that doesn’t mean you should just take no for an answer and not even inquire about it. Each individual health insurance plan is different. Make sure to call your insurance company to find out if they will cover a tummy tuck. If your doctor classifies the abdominoplasty as medically necessary then you might have a fighting chance at getting some help paying the bill.
What To Do If A Tummy Tuck Is Covered By Insurance
If you are one of the lucky ones that can get the tummy tuck procedure covered by insurance, then there are a couple of things you will want to be aware of.
First, make sure you have the surgery performed at an in-network facility. You will save a ton of money by going in-network. The problem with many cosmetic surgeries is that many physicians are not in-network. Still look around, though, and ask your insurance company or look on their website for network-contracted doctors that can perform the tummy tuck.
Second, make sure you have a clear understanding of what you will owe for the procedure, and get it in writing. Even if you have an insurance plan that will cover the tummy tuck, you will still be out quite a bit of money if you haven’t hit your deductible and/or out-of-pocket maximum. Don’t get surprised later on just because you didn’t do enough research at the beginning.
How To Pay For A Tummy Tuck When Insurance Won’t Pay
If you are like most of us, and you have an insurance plan that won’t pay for a tummy tuck, then how best to pay the big bill? First off, make sure you really want a tummy tuck. Before you pay upwards of $10,000, make sure it is something you really want to do. If you have buyer’s remorse on a car, you can take the car back or sell it to someone else. However, if you have buyer’s remorse on a surgery, there’s nothing you can do.
Second, check with the doctor’s office about payment plans they may have. They know that most people can’t afford to hand over thousands of dollars at one time, and many will work with you to pay your bill. It means going into debt, so again, make sure you are truly ready to have a tummy tuck.
And above all, make sure you do your research to find the right medical provider for you. Look for both cost and ability, and make the best decision for you or your family.
So, will your health insurance company cover a tummy tuck surgery? That depends on your plan and your medical necessity. Call your insurance company, check out their website, and talk to your doctor. You will then have all the information you need to make the best decision for you and your family.