Tummy tucks are generally considered cosmetic surgery, which means (in most cases) they aren’t covered by insurance. However, there is an exception to this rule: In order to have a tummy tuck covered by insurance, you must prove the procedure is medically necessary.

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.

In many cases, a tummy tuck is merely a cosmetic procedure, and most insurance plans will not cover this. However, if you are experiencing rashes or skin infections, it then becomes a medical need to have the surgery. In this case, you may be able to get some of the costs of your tummy tuck covered by insurance.

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. You will then be scheduled for surgery.