How would I go about claiming cosmetic surgery as reconstructive cosmetic surgery so that it will be covered?

Question

I need a tummy tuck

Answer 1

If you also suffer from an abdominal hernia,(many who have a tummy tuck must also have a hernia repair.) your insurance may pay for that  part of the surgery, but this is just PART of the overall cost.

Answer 2

Did you have a baby or lose weight suddenly?

Answer 3

Here's the problem with your clever little plan:  Insurances, when they cover this procedure, pay only a fraction of what cosmetic surgeons charge.  So even if you get your insurer to pay, you're not likely to find a surgeon who will accept their paltry offering.

You might try looking into a university center with a plastic surgery fellowship training program.  They may let a resident work on you for what insurance pays.  Private practice guys aren't in the business of losing money, and that's what happens with insurance - their payment may not cover the cost to the surgeon.

Good luck, though.