Normal mommy makeovers are not covered by insurance
Because a mommy makeover is an elective cosmetic surgery and not a medically necessary one, it is rarely (if ever) covered by health or medical insurance. (That means that insurance covers only valid health concerns, not surgery that only makes you look better and, possibly, feel better about yourself.)
When a patient pays health insurance premiums throughout the year, they are paying a company to cover or reduce the out-of-pocket costs they would face if any unforeseen medical condition were to come up.
As long as more people pay in than take out, insurance can help reduce medical costs for those who need treatment.
No insurance company covers cosmetic surgery
Sadly, no company in the world has yet to offer insurance coverage for cosmetic surgery. Only medical episodes are covered by any health insurance provide, from car accidents, to workplace injuries, to disease treatments. And insurance companies usually make it as hard as possible to get reimbursed or covered for even these life-altering conditions.
Insurance companies profit (or are able to stay afloat) only if they receive more money in premiums than they pay out to doctors and other providers. Can you imagine if they covered plastic surgery? I mean, who wouldn’t get plastic surgery if it was basically free?!
If you can prove health problems, insurance may cover
If you can prove to an insurance carrier that your post-pregnancy physical condition or concerns are causing you valid medical problems—and that’s a big ‘if’—insurance MIGHT cover your mommy makeover. It’s so rare that it’s best not to get even mildly excited about the possibility.
“Proving” that a cosmetic condition is causing you medical concerns can take many, many months of repeat visits to multiple practitioners.
And, since a mommy makeover is usually done in a single surgical session (though sometimes two), holding off on the rest of the procedure while you waited on insurance would be a drag.
It is only normal for patients to want to research all of their alternatives when it comes to an expenditure as substantial as cosmetic surgery, including the physician, the surgical facility, the numerous operation approaches, and more.
Procedures that are sometimes covered by insurance
The vast majority of all plastic surgery is NOT covered by medical insurance. Some of the very rare exceptions to this are the following procedures which—if your physical condition is causing you a health problem—may possibly be covered by insurance:
- Eyelid Surgery: Only if your eyelid skin is greatly impairing your vision.
- Breast Reconstruction: Only if you just recovered from breast cancer or a mastectomy.
- Nose Job Surgery (Rhinoplasty): Only if you have considerable trouble breathing or sleeping due to a lack of air flow through your nose.
Unfortunately, as you can see, none of the above procedures are even part of a full-blown mommy makeover.
For many men and women, the cost of getting cosmetic surgery—and whether or not their insurance will pay for any or all of it—is one of the most crucial considerations. Generally speaking, most cosmetic operations are not covered by insurance since they are seen as a choice rather than required medically. It might be challenging for people to figure out their possible insurance coverage since a complete mommy makeover is not one standard procedure, but a combination of various procedures tailored to each person, to enhance a patient’s image and body after giving birth.
Having said that, there is a possibility that some of the operations that are included in your mommy makeover may be reimbursed by insurance if they are related to a medical issue that has an impact on your day-to-day living. Let’s take a deeper look into mommy makeover procedures, the cost associated and whether any could potentially be covered by insurance.
What is the goal of a mommy makeover?
The exciting multi-part mommy makeover surgery is totally customized to each patient’s requirements and aspirations. The majority of mommy makeover patients are women who have just given birth, but the procedure may also be helpful for older patients who want to regain a more youthful appearance or for women who wish to change their bodies after losing weight. During a thorough mommy makeover, the following exciting aesthetic improvements may be made:
- A slimmer frame,
- A leaner physique,
- Enhance breast volume,
- Soften the breasts ,
- Get rid of stubborn fat,
- Get a more rounded body shape,
- Overall younger appearance.
What’s included in a mommy makeover?
The mommy makeover often consists of many distinct surgeries and therapies intended to address the patient’s particular areas of concern, as opposed to being a single, clearly defined process.
The following are a some of the most typical treatments performed as part of a comprehensive mommy makeover:
- Breast augmentation
- Breast lift
- Tummy tuck
- Non-invasive procedures such as skin resurfacing.
In order to create a surgical plan that best suits your requirements, your surgeon will completely go over your concerns and objectives at your first appointment, explain your choices in detail, and answer any of your questions. This would also be a great time to ask about your price breakdown and whether anything would be covered by insurance.
Cost of a mommy makeover?
Now this is usually one of the top questions when it comes to inquiring about a mommy makeover as this process does consist of multiple different procedures in one surgery. The price of a mommy makeover surgery will vary from patient to patient since each operation is highly individualized.
Fortunately, a mommy makeover, which combines many operations in one surgical setting, is sometimes more affordable than having individual procedures done separately which may also lengthen your recovery time. The reason behind this is that each day that you get a procedure done the cost will account for the anesthesia that you need during the surgery, the cost for the surgical team and equipment as well as the time you are taking off work. For that reason, most patients decided to go with the one surgery and receive multiple procedures at once to bring the cost down.
Will mommy makeover surgery be covered by insurance?
One of the most crucial aspects that insurance companies take into account when deciding whether or not to cover a certain surgery is whether the procedure is aesthetic or medically required. Mommy makeover surgery is often seen as an elective cosmetic operation, which means that insurance does not typically cover it.
Though it is uncommon, there could sometimes be elements of the operation that the insurance might be able to partly pay. Patients thinking about a mommy makeover should budget for the fact that their procedure won’t be covered by insurance. However, your surgical team will help you determine whether or not there is a chance to obtain some coverage, and they will give you a range of payment options, including cosmetic surgery financing if you’re looking for another alternative.
Mommy makeovers are considered to be one of the higher priced cosmetic procedures on the market and the reason for this is simply because you can combine more than one procedure at once. If you’re unsure if you can afford it or want to know whether it’s covered by insurance it’s always recommended to call your broker and speak to them directly.