Does health insurance cover liposuction

Answer 1

Clinical Policy Bulletin:

Abdominoplasty, Suction Lipectomy, and Ventral Hernia Repair

Number: 0211

Policy

1. Aetna considers panniculectomy/apronectomy medically necessary according to the following criteria:

   1. Panniculus hangs below the level of the pubis; and

   2. The medical records document that the panniculus causes chronic intertrigo (dermatitis occurring on opposed surfaces of the skin, skin irritation, infection or chafing) that consistently recurs over 3 months while receiving appropriate medical therapy (e.g., oral or topical prescription medication), or remains refractory to appropriate medical therapy over a period of 3 months.

   Aetna considers panniculectomy/apronectomy cosmetic when these criteria are not met.

   Aetna considers panniculectomy/apronectomy experimental and investigational for minimizing the risk of hernia formation or recurrence. There is inadequate evidence that pannus contributes to hernia formation. The primary cause of hernia formation is an abdominal wall defect or weakness, not a pulling effect from a large or redundant pannus.

2. Aetna considers repair of a true incisional or ventral hernia medically necessary.

3. Aetna considers repair of a diastasis recti, defined as a thinning out of the anterior abdominal wall fascia, not medically necessary because, according to the clinical literature, it does not represent a "true" hernia and is of no clinical significance.

4. Aetna considers abdominoplasty, suction lipectomy, or lipoabdominoplasty cosmetic.

Background

In order to distinguish a ventral hernia repair from a purely cosmetic abdominoplasty, Aetna requires documentation of the size of the hernia, whether the ventral hernia is reducible, whether the hernia is accompanied by pain or other symptoms, the extent of diastasis (separation) of rectus abdominus muscles, whether there is a defect (as opposed to mere thinning) of the abdominal fascia, and office notes indicating the presence and size of the fascial defect.

Abdominoplasty, known more commonly as a "tummy tuck," is a surgical procedure to remove excess skin and fat from the middle and lower abdomen and to tighten the muscles of the abdominal wall. The procedure can improve cosmesis by reducing the protrusion of the abdomen. However, abdominoplasty is considered by Aetna to be cosmetic because it is not associated with functional improvements

Answer 2

Yes. If you physician in consultation with the insurance company agree that this is medically necessary treatment for your illness then depending on the type of policy you have it will most likely cover the procedure. This type of Liposuction is not a cosmetic surgery.

Answer 3

No. Elective surgery isn't covered. A treadmill would be cheaper.

Answer 4

Yes I think so