Is plastic surgery ever covered by insurance?

Generally, cosmetic plastic surgery is not covered by insurance, but medically necessary or reconstructive plastic surgery is more likely covered. This can change depending on the policy. But most insurance companies will not choose to cover the costs of elective, cosmetic surgery.

What is medically necessary plastic surgery?

What are ‘Plastic and reconstructive surgery (medically necessary) services’? Hospital treatment which is medically necessary for the investigation and treatment of any physical deformity, whether acquired as a result of illness or accident or congenital.

Is tummy tuck covered by insurance?

Tummy tuck

The surgical procedure to remove excess skin and fatty tissue will be covered but its coverage depends on the case and if it’s medically necessary. However, it does not tighten muscles nor does it remove as much skin as an abdominoplasty would.