How to Get a Tummy Tuck Paid for by Insurance?

Unlocking Your Dream: Getting Your Tummy Tuck Covered by Insurance

Do you want your tummy tuck covered by insurance? It’s a long and difficult road ahead, but you can still do it! Today we’re going to discuss insurance coverage for a tummy tuck as well as some strategies you can use to increase your chances of getting your tummy tuck approved for coverage.

Step one: know your policy. Know what’s covered and what’s not. If you have a cosmetic surgery covered by your policy, that’s a vastly different scenario than work that’s considered elective but medically necessary. That is the beginning and end, your North Star in the claims sea.

Then, consult your doctor: she can offer input whether and how your tummy tuck would be medically necessary for your condition. She can help you ascertain and document any medical conditions that could bolster your argument for coverage.

Gather evidence – medical records, letters of necessity from your attending physician, and anything else demonstrating the medical necessity of your tummy tuck, the more the merrier.

Now, you dial your insurance company. Demand what is yours. Get your own. Speak the right language, clearly and firmly, stating that the treatment is medically necessary and why, and cite your evidence.

However, be prepared for pushback. Insurance companies can be quite rude when it comes to denying you coverage for a cosmetic procedure: simply tell them to take a hike. Don’t let a denial deter you! Appeal the decision and send supplementary evidence, if necessary.

Further, you could look outside the realm of insurance coverage: a few policies offer limited coverage for surgery to correct the appearance after major weight loss or otherwise. Check whether you would qualify to make use of those clauses.

If not, you could potentially consider alternative payment methods or financing, though that’s less than ideal.

Ultimately, a tummy tuck requires a lot of patience, persistence and insurance savvy to get it covered, but with some planning, strategic advocacy and a bit of luck, anything is possible.