Most insurance companies will only pay for the medical expenses of the tummy tucks if the procedure is deemed medically necessary and done by a board-certified plastic surgeon. In many instances, insurance will cover only the hospital expenses after your plastic surgeon has fully analyzed you.

A tummy tuck is rarely covered by insurance because it is considered a cosmetic procedure. However, if you can show proof it will solve an underlying medical issue, your insurer may pay for most of the costs. And then, you can find a way of paying the remainder of the surgical bill.