How To Get A Tummy Tuck Paid For By Insurance?

Bodywork and beauty surgeries have become a much more common practice than before. While these procedures aim to get positive results for the flawless look you want, they also come at very high costs.

A tummy tuck, or abdominoplasty as it is known, is an invasive procedure that focuses on the abdomen region. The procedure is considered not medically mandatory, so health insurance providers don’t cover the charges for these surgeries.

Tummy tucks are considered cosmetic procedures, so your insurer will probably not offer any coverage for such a procedure. However, there are some conditions under which you can get at least part of your surgery insured by the company.

This article will discuss how much tummy tucks cost and how you can get your health insurance policy provider to cover the charges for this procedure.

What Is A Tummy Tuck?

Abdominoplasty or tummy tucks is a surgical procedure involving removing any extra fat or skin from the abdomen and giving your tummy a much more toned look. This procedure also tightens abdominal muscles to make your stomach look firm and smooth.

Tummy tucks are considered cosmetic surgeries because it is mainly done by patients who want to alter the physical appearance of their abdomens and are not really about any medical conditions. This is why insurers typically don’t offer any coverage for abdominoplasty.

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What Is The Cost Of Tummy Tucks In The USA?

According to the survey conducted by the American Society of Plastic Surgeons, a tummy tuck costs an average of $6,154. However, depending on the type of surgical procedure you are undergoing, this amount is subject to change.

Some of the common types of abdominoplasty and their costs are explained in the table below:

Type Of Abdominoplasty Average Cost
Extended tummy tuck From $4,000 to $18,000
Mini tummy tuck From $3500 up to $8000
Vanquish From $500 to $800 for every session ( 30 minutes)

per 30-minute session

· It can take about 3-5 sessions for the full treatment

Cool Sculpting From $2,000 up to $4,000
Drainless tummy tuck From $8,000 up to $20,000
Fleur-de-Lis tummy tuck About $10,000 for the full treatment


Note that these prices are only for the surgery and do not include other expenses such as anesthesia and other clinic facilities.

Other additional factors can be considered to determine the price of a tummy tuck:

  • Surgical needs as per the individual
  • Medical tests leading up to the surgery
  • The fees incurred by the anesthesiologist
  • Fees of the hospital or the clinic
  • Garments/kits for after surgery
  • Consultation fees
  • Surgeon’s fees (including the experience, expertise, and training of the surgeon)
  • Any extra medication prescribed by the doctor post surgery
  • Location of the clinic or hospital

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How To Get A Tummy Tuck Paid For By Insurance?

A few rare cases where health insurance policy companies cover cosmetic surgery charges. If you’re lucky, you might be able to get insurance from them for all your Tummy Tuck procedures. However, they are more expensive than regular medical insurance policies for obvious reasons.

The good thing about these policies is that if you have complications post-surgery, the insurance can be sued to fix these issues. These insurance policies also cover the additional charges incurred in the middle of surgery if there are some medical complications and your doctor needs to do some additional work.

Consider checking out Calidad Insurance for various insurance policy packages that might interest you.

Apart from this, you can also get insurance for your tummy tuck via these conditions:

Surgery For Getting Rid Of Back Pain And Incontinence:

Many studies point to the benefits of getting a tummy tuck. It can reduce incontinence issues and drastically reduce back pain problems. This is widely seen in postpartum women, so if you face similar issues, you can ask your doctor for this recommendation.

The solution for this problem is a tummy tuck, so it’s a win-win situation for both parties. The health insurer will probably agree to cover the charges for this tummy tuck because of the underlying medical condition.

Get A Panniculectomy Instead Of An Abdominoplasty:

Almost all health insurance companies take panniculectomy to be a serious medical procedure. Because of this consideration, you have a higher chance of getting your insurer to pay for the procedure, unlike for an Abdominoplasty.

It’s more expensive when compared to a tummy tuck, but it gives you the same results. Hence you can ask your surgeon to opt for a panniculectomy by breaking down the procedure into the abdominoplasty and the actual panniculectomy so that you can get a proper idea of how much it will cost you.

As long as you get your doctor’s approval for the medical procedure, your health insurance provider will cover a portion of the procedure, and you can pay for the rest out of your pocket.

Get Surgery For Ventral Hernia:

Ventral hernia can occur with related health problems like the inability to walk normally. The solution to this problem comes in the form of a tummy tuck. So if you have this issue, you can talk to your doctor for a medical-grade tummy tuck.

Once you get the approval from your doctor, your health insurer will probably agree to cover the charges for your tummy tuck in part, reducing the cost of the procedure.


Your health insurance policy providers probably won’t cover your tummy tucking procedure because it is not a necessary medical surgery. Although tummy tucks are not as expensive as other cosmetic surgery procedures, they will still incur a hefty bill depending on the different factors.

As with any other medical procedure, it is recommended that you sit with your doctor and review the process thoroughly, what you want to be done and how it will go post-surgery.

Sometimes your surgery clinic will also have different payment plans for you to make your bill payment less stressful. It’s also a good idea not to skimp on the procedure because since it’s an invasive surgery, you wouldn’t want to risk the safety of your health over a few dollars.

Read more about the importance of having a life insurance policy and being on top of everything in your life.

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