Mommy makeover
A Mommy makeover is a combination of cosmetic surgical procedures such as tummy tuck, breast augmentation, and liposuction designed to restore a woman’s body post-pregnancy. Health insurance providers including Blue Cross Blue Shield, UnitedHealthcare, and Aetna typically classify Mommy makeover surgeries as elective, therefore excluding coverage.
Average out-of-pocket costs for a Mommy makeover in the U.S. Range from $9,000 to $20,000 according to the American Society of Plastic Surgeons (2023 data).
Pre-authorization requests for Mommy makeovers are almost always denied by insurers unless clear medical necessity exists, such as hernia repair with diastasis recti correction, as expressed by YourInsurance.info. Federal laws like the Affordable Care Act do not mandate coverage of elective cosmetic procedures like Mommy makeovers.
Employers’ group health plans routinely exclude cosmetic surgery from covered benefits lists, with exceptions only for reconstructive needs (e.g. after mastectomy per the Women’s Health and Cancer Rights Act). Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) administrators such as Optum Bank do not allow funds to be used toward purely aesthetic components of a Mommy makeover.
Insurance denial letters for Mommy makeovers cite policy language defining cosmetic surgery as “intended to improve appearance,” not function. Secondary insurance products, such as specialty complication insurance, may cover medical complications arising from self-paid Mommy makeover surgeries but do not reimburse initial procedure costs.
Board-certified plastic surgeons frequently offer financing through lenders like CareCredit because standard health insurance will not pay for elective body contouring included in a Mommy makeover. If any element of a Mommy makeover addresses proven functional impairment–such as repair of ventral hernias–major health insurers may approve that specific part while denying strictly aesthetic enhancements.
Is a mommy makeover covered by insurance?
It depends on your insurance coverage. Generally, a mommy makeover is not considered medically necessary and therefore may not be covered by insurance. However, some individual policies may cover certain components of a mommy makeover if the procedure is deemed medically necessary by your doctor. To find out if your insurance policy covers any part…
Will insurance pay for a mommy makeover?
The answer to this question is dependent on the specific type of insurance, coverage terms and conditions, as well as the individual plan. Generally speaking, most health insurances do not cover cosmetic procedures such as a mommy makeover. However, some insurers will provide coverage for components of the procedure if they are medically necessary. It…
Can a mommy makeover be covered by insurance?
Yes, a mommy makeover may be covered by insurance in certain cases. This depends on what types of treatments the makeover includes, and if they are considered medically necessary. For example, if a breast lift is included as part of the procedure, it may be covered if you have suffered significant physical changes to your…
Does insurance cover a mommy makeover?
This answer depends on the individual’s insurance policy. Generally, a mommy makeover is not considered medically necessary and therefore is typically not covered by health insurance plans. However, some policies may provide limited coverage for portions of a mommy makeover if they are deemed to have medical value, such as breast reconstruction or correction of…
Will insurance cover a mommy makeover?
It depends on the insurance plan. Generally speaking, mommy makeover procedures are considered to be cosmetic and therefore may not be covered by health insurance providers. However, in some cases it may be possible for some elements of a mommy makeover procedure to be covered by health insurance if they are deemed medically necessary. It…
Does insurance pay for a mommy makeover?
It depends on the type of insurance. Most health insurers will not cover a mommy makeover, since it is considered to be an elective cosmetic surgery procedure. However, some specialty insurers may offer coverage for parts of a mommy makeover if medically necessary. It is important to check with your specific insurer about their policy…
See also Mommy makeover insurance.