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Will Insurance Pay for My Mommy Makeover? By Kenneth Smart Jr. on December 24, 2020

Insurance paperworkPregnancy, childbirth, and nursing all take a huge toll on a woman’s body, causing loose skin, saggy breasts, and unwanted fat deposits. Even months or years after having a child, many women find that they don’t recognize their figure. Plastic surgeon Dr. Ken Smart can address all of these concerns with a mommy makeover, which combines several plastic surgery techniques to give women back their pre-pregnancy appearance.

Mommy makeovers have helped many patients in Frisco and Plano, TX, and other North Texas communities. Patients often ask if insurance will pay for a mommy makeover. Here we discuss insurance coverage as well as alternate financing plans that can make mommy makeover treatment more affordable for our patients.

Mommy Makeover Is Generally Considered Elective

Mommy makeover is a completely customizable cosmetic procedure. Dr. Smart looks at each patient’s specific concerns to create a treatment plan that will help them achieve their aesthetic goals. Given the most common effects of pregnancy, cosmetic procedures that are most often a part of mommy makeover treatment include:

  • Tummy tuck (abdominoplasty)
  • Liposuction
  • Breast augmentation
  • Breast lift
  • Breast lift with implants
  • Breast reduction

In nearly all cases, the procedures performed as part of a mommy makeover are considered elective, meaning they are not medically necessary. Since insurance companies do not provide coverage for elective procedures, patients should expect to pay for treatment out-of-pocket.

Will Insurance Ever Provide Coverage For a Mommy Makeover?

Although it is not common for insurance companies to pay for mommy makeover treatment, there are rare cases when patients may be eligible for partial insurance coverage. Again, this is not the usual practice, but if patients have certain medical issues that could be corrected through mommy makeover treatment, then insurance companies may provide partial coverage for the portions of treatment that are considered medically necessary.

The two potential mommy makeover procedures that may be eligible for insurance coverage are tummy tuck and breast reduction. Even if these procedures are included in mommy makeover treatment, most insurance companies would only consider providing partial coverage if they had documentation from a medical professional stating that issues such as a ventral hernia or back/shoulder/neck pain related to overly large breasts could be corrected by a tummy tuck or breast reduction.

Alternate Financing Options

Since individuals can expect to pay for all or most of their mommy makeover procedure on their own, it is a good idea for them to consider financing options. It is not necessary for patients to pay for plastic surgery in cash or in one lump sum. There are several ways that patients can finance a cosmetic surgery procedure, such as a mommy makeover, so that it fits more easily within their budget.

Financing options include:

  • Personal credit card
  • Personal loan
  • Medical credit card or loan
  • Payment plan with the plastic surgeon (only available at some plastic surgery centers)

Contact Our Plastic Surgery Practice

If you have more questions about mommy makeover treatment, such as how much it costs and whether you are an ideal candidate, it is time to schedule a personal consultation with Dr. Smart. To get this process started, send us a message online at your earliest convenience, or call (972) 334-0400.

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Dr. Smart

Frisco Plastic Surgery & MedSpa

Dr. Ken Smart and his dedicated team want every patient who visits their office to look and feel their best. Dr. Smart is a renowned plastic surgeon who is affiliated with various trusted organizations, including the: 

  • American Board of Plastic Surgery
  • American Society of Plastic Surgeons
  • American Society for Aesthetic Plastic Surgery
  • Texas Medical Association

To discuss your concerns with Dr. Smart and learn more about our personalized approach to care, request your cosmetic consultation online or call us at (972) 334-0400.

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"I opted for the breast augmentation with lift along with a tummy tuck and now I look better than I did in high school!" T.C.

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