A Answers (3)
Tara Whitworth, MSN, Nursing, answeredInsurance generally does not cover cosmetic surgery, so you will need to pay for your tummy tuck out of pocket. Insurance does occasionally pay for a procedure called a panniculectomy. A panniculectomy removes only the excess skin and fat. A tummy tuck removes excess skin and fat but also tightens the abdominal muscles.
Stuart Linder, MD, Plastic & Reconstructive Surgery, answeredAbdominoplasty procedures are normally elective or cosmetic procedures which are not covered by insurance. Patients who have a concurrent epigastric umbilical, ventral, or incisional hernia, may have this portion of the operation covered by their insurance. It is important that a general surgeon be present during the functional portion of the operation to do the hernia repair. In general, full disclosure of the hernia as well as the cosmetic portion of the operation will be described through the insurance companies.
Enormous panniculectomies, which are simply large abdominoplasties on patients who have undergone gastric bypass surgeries sometimes will be covered by insurance if there are functional problems including back pain, as well as dermatitis or rashes underneath the large pannus, status post massive weight loss.
Erik Hoy, MD, Plastic & Reconstructive Surgery, answeredInsurance does not typically cover cosmetic surgery, and tummy tuck procedures are grouped in this category. Health insurance companies may occasionally cover a similar procedure, panniculectomy, in certain cases. These cases include extreme obesity, in which the patient has difficulty caring for him- or herself, especially the skin beneath the large belly. Panniculectomy involves taking off this large "pannus" or overhanging abdominal tissue, and does not involve tightening the rectus muscles. Panniculectomy should not be confused with tummy tuck or abdominoplasties.