Does Insurance Cover Tummy Tucks?

September 2nd, 2025 | Posted in: Tummy Tuck |

A toned, contoured midsection is often seen as a key part of the ideal physique, and for many tummy tuck patients, this procedure suggests life-changing results. But is this procedure ever covered by insurance to help offset the cost? This blog will discuss the hows and whys of insurance for cosmetic procedures, specifically the tummy tuck.

4 Min Read:

Can I Use Insurance for Cosmetic Surgery?

By definition, cosmetic surgery procedures, such as a tummy tuck (abdominoplasty), are considered elective procedures. Although a tummy tuck can enhance a patient’s confidence and emotional well-being, it is not considered medically necessary and is therefore not covered by insurance.

Medical insurance comes in when you need something to fix a physical ailment or prevent something that may be detrimental to your health. Toning and tightening the midsection generally do not fall under that category, so insurance is unlikely to cover your tummy tuck.

Rare Exceptions When a Tummy Tuck Is Covered By Insurance

In some rare cases, the patient’s specific condition may qualify them to receive aid from their insurance. Because a tummy tuck removes excess skin from the abdomen and midsection, as well as tightens a loose abdominal wall, if these concerns pose a risk to the patient’s health, they may be eligible to receive aid from their insurance. Some examples:

• Functional Repair: If loose skin and fat impair the patient’s ability to walk or function normally, their tummy tuck may be deemed medically necessary.
• Hernia Repair: The patient may receive partial aid from their insurance to repair a hernia, if present, along with weakened muscles and excess skin. The cosmetic portion of the procedure, however, will not be included.
• Post-Weight Loss Surgery: Patients who have undergone bariatric surgery or massive weight loss surgery may experience loose, sagging skin at a higher rate than patients undergoing a traditional tummy tuck. These two procedures usually go hand in hand due to the excess skin caused by rapid weight loss. If these concerns cause additional issues, such as rashes, discomfort, or functional problems, the patient may be eligible for assistance from their insurance.

What Are My Tummy Tuck Options?

Whether or not you have insurance, a tummy tuck is a transformational procedure that significantly improves a patient’s self-confidence and can help repair the body after major life changes, such as pregnancy or significant weight loss.

This procedure is also entirely customizable to the patient’s specific needs, depending on the surgeon’s expertise. Dr. Gabriel Chiu of Beverly Hills is a world-renowned, double-board-certified plastic surgeon with decades of experience and countless satisfied tummy tuck patients.

In addition to the traditional tummy tuck, which removes fat and excess skin and tightens the abdominal wall, Dr. Chiu offers the following custom techniques:

• Mini Tummy Tuck: Ideal for patients with localized fat in the lower abdomen, for a more discreet scar, and for a less invasive procedure.
• Lateral Tension Tummy Tuck: This technique enables Dr. Chiu to address skin laxity in the abdomen and thighs, correcting the abdominal wall through a single low horizontal incision.
• Reverse Tummy Tuck: Ideal for patients with loose skin throughout the upper abdomen.
• Modified Tummy Tuck: Offering the most detailed customization available, Dr. Chiu creates a personalized surgical plan that addresses the patient’s needs and goals, which may include reconfiguring the navel and strengthening the torso.

Financing for a Tummy Tuck

Dr. Chiu understands the importance of achieving your physical and aesthetic goals, whether you have insurance or not. That’s why he’s happy to provide multiple financing options for his Beverly Hills tummy tuck patients, including CareCredit®, ALPHAEON® Credit, and more.

Dr. Chiu’s experienced surgical consultants are standing by to help you through the financing process and get you on your way to the body of your dreams!

Interested in a Beverly Hills Tummy Tuck?

When you choose Dr. Chiu, you’re choosing VIP treatment, a surgeon with legendary talent, and a result that will surely WOW. If you’re ready to shed the extra skin and fat to reveal a toned and contoured midsection, call Dr. Gabriel Chiu of Beverly Hills Plastic Surgery™ at (310) 888-8087 or fill out the online contact form to get started.