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Tummy Tuck Costs

Tummy tuck costs are typically in the range of $3,000 to $10,000.  It’s difficult to pinpoint the price of tummy tuck surgery, clinically known as abdominoplasty, because it varies wildly from patient to patient, depending on the individual, his or her body type, and the specific procedure being performed. For example, the price of a mini tummy tuck differs drastically from that of a circumferential tummy tuck, based on the extent of the treatment plan. Most qualified plastic surgeons are hesitant to quote prices on the Internet without first consulting with individual patients, identifying their specific needs, and determining a treatment plan.

Variance in Tummy Tuck Prices

Total tummy tuck prices can vary from about $3,000 to $10,000, but the cost for tummy tuck surgery is entirely dependent on your individual needs. When you ask, "how much does a tummy tuck cost?" the real question is, how much will your abdominoplasty cost? Tummy tuck prices can vary significantly, according to:

  • The patient’s needs
  • The particular type of procedure (for example, traditional vs. mini tummy tuck)
  • The region and demographic area in which the surgeon’s office is located
  • The surgeon’s practice and discretion
  • The facility at which the procedure is performed
  • Whether the procedure is combined with another procedure, such as liposuction, butt lift, or thigh lift

A mini tummy tuck will generally cost less than a traditional full tummy tuck. An extended tummy tuck can cost more than a traditional tummy tuck. The extensiveness of the procedure will also have an effect on costs that are not part of the surgery itself, but are directly related, such as the length of your post-operative care. Usually, abdominoplasty is performed as an outpatient procedure; however, if your abdominoplasty procedure is particularly extensive or if you are having the tummy tuck done in conjunction with another cosmetic surgery, an overnight stay in a hospital may be recommended. Discuss with your surgeon the likelihood of having to undergo more than one surgery to obtain the results you desire based on your medical history. Having to undergo multiple surgeries will increase the cost of the procedure. If you have already had an initial tummy tuck and are having "secondary" or reconstructive abdominoplasty surgery to correct or improve the results, the surgery could be more difficult and thus more expensive.

The question “How much does a tummy tuck cost?” will be answered differently by different surgeons practicing in different locations. To a large extent, geography determines the practice’s clientele, the competitiveness of the local market, and the overhead costs for operating the practice. If you are unable to travel to have your tummy tuck performed, take heart that tummy tuck prices usually only vary by a couple hundred dollars for the same procedure, which in today’s economy is about the price you’ll pay for a plane ticket. While comparison shopping for tummy tuck surgery takes time, it is always worth the effort. Not only will you be confident that you are getting the best possible value, but more importantly you will be able to trust that your surgeon is highly trained and has the proper amount of experience performing tummy tuck surgeries. You may also be able to find a plastic surgery practice that offers tummy tuck financing options.

The Truth about Additional Costs

When calculating tummy tuck prices, several additional costs may be added, or they may be included in the quoted price. The surgeon’s fee usually only makes up about 60 to 80 percent of the cost of any cosmetic surgery procedure, so it is important to ask which services are included in any price quote you obtain from a cosmetic surgeon or a practice staff member. There is usually a separate charge for anesthesia, as well as possible additional charges for lab work and medical tests. If the surgery is performed in a hospital rather than a surgeon’s private surgical suite, there is often a facility or operating room fee. Whether your surgeon prefers to perform the abdominoplasty procedure in a hospital, surgery center, or specially equipped plastic surgery office, make sure the facility is accredited. Having a procedure performed at a non-accredited facility may seem less expensive in the short term, but sacrificing safety for cost may leave you paying the price later. Treatment for post-surgery complications can be very costly indeed. Unexpected side effects and problems during the healing process are more likely to occur if you choose to go with a less experienced surgeon or an ill-equipped medical facility. Follow-up care during your tummy tuck recovery is a factor in figuring out your total abdominoplasty cost; some patients need a compression garment after the surgery, and post-surgery medication may also be an additional tummy tuck cost.

One possible cost that many patients do not become aware of until after a tummy tuck procedure has been performed is an increase in insurance premiums following surgery. As it is generally considered a cosmetic procedure, abdominoplasty is usually not covered by your insurance plan unless abdominal muscle spreading has become a medical issue or a hernia is present. Even though your insurance company will likely not play a role in covering the cost for your tummy tuck surgery, some insurance companies will still take into account the risk of potential side effects from your surgery in calculating your coverage. If increased insurance costs are a concern, then it is important to carefully review your plan prior to undergoing surgery. Contact an insurance company representative with any policy questions you may have. If you are not comfortable discussing this matter with your insurance company, a lawyer specializing in insurance claims may be able to offer you helpful advice.

Visit the DocShop gallery to view abdominoplasty before and after photos.

Photo credit: Pacific Plastic Surgery

Tummy Tuck Financing

Although abdominoplasty or tummy tuck costs can seem high, the results are well worth it for many people. Recognizing the need to make tummy tuck costs more affordable to a wider range of patients, tummy tuck surgeons are becoming increasingly open to offering abdominoplasty financing options. Tummy tuck financing can be provided by your credit card or a loan company.

Abdominoplasty Payment Options

Credit cards, cash, and checks are accepted in almost all cosmetic surgery practices. If you’re interested in financing your procedure, you may choose to work directly with your surgeon’s office to determine a payment plan. Some surgeons allow payments for tummy tuck costs to be spread out over a term of months or even years. The other option is to work with a private financing company specializing in cosmetic surgery procedures. Despite the specific avenue through which you choose to finance, don’t let tummy tuck prices prevent you from doing something that can dramatically improve both your appearance and your self-image.

How does abdominoplasty financing work?

Many plastic surgeons require patients to pay for their procedure in one lump sum prior to the surgery, in order to ensure that all facility costs are covered. However, this can be prohibitive for patients who cannot cover the entire cost in one payment. Most cosmetic surgery practices accept credit cards, and many patients are taking advantage of this option. Some patients, however, do not have high enough credit limits for this to be a tenable option, while others prefer to use their credit cards only for smaller purchases. Check with your credit card company before deciding to charge your entire surgery. Some credit card companies have special programs with lower interest rates for patients who want to pay for cosmetic surgery. If you are uncertain whether using your credit card to pay for your tummy tuck costs is the right course of action for you, compare the interest rates of your credit card to the interest rates you would be paying if you sought another source of financing.

Seeking a loan is an alternative method to tummy tuck financing. There are certain loan companies that specialize in helping people pay for abdominoplasty and other cosmetic surgeries. Repayment options vary by company, and may include payment deferment and no-interest periods. It’s strongly advised that whatever the conditions of the loan, to seek a fixed interest rate; this eliminates the possibility of your interest increasing over time. Before you sign your loan agreement documents, make sure you clearly understand the terms of the loan, including the frequency and amount of payments you owe, and how much time you have to repay the loan.

Your plastic surgeon may be able to recommend a reputable loan company. Be sure to ask during your plastic surgery consultation.

Will financing cover all costs associated with the tummy tuck procedure?

If you choose to use a credit card to finance your loan, your credit limit will determine the amount that is covered. If you are taking out a loan, your out-of-pocket costs will depend on the loan company you are using for your abdominoplasty financing, and the conditions of your contract. Certain loan companies specializing in funding elective surgery work directly with your surgeon during each stage of your tummy tuck surgery. Their loan representatives determine your surgical - and sometimes even post-surgical - medical costs, and all you have to do is begin making monthly payments at the agreed upon time. Don’t assume that your loan company will handle all of the details for covering your abdominoplasty costs. Discuss this issue with the loan company directly before you agree to take out a loan.

It’s important to make sure that your loan amount matches the actual cost of your tummy tuck; if not, you could be responsible for paying the remaining costs up front. Also, certain loan companies place limits on the amount of money they will loan you for your procedure. If your tummy tuck procedure is especially extensive, you’ll want to speak with your loan company and determine the amount they are willing to loan you toward your tummy tuck financing.

How do I apply for financing?

Filing for a loan may involve completing a pre-qualification worksheet prior to filling out the actual application. These forms are usually available on the loan company’s website. You can determine whether you’ve been approved for a certain amount within minutes of filling this form out. Should the form not be available online, you can call or email the company for a hard copy. If the company has a local branch, you can also visit the loan office in person, though more and more patients are using loan companies in other states and corresponding entirely by web, phone, and mail.

Certain plastic surgeons have established relationships with loan providers that they trust and are used to working with. While you are not obligated to use this specific loan company, you may be able to get a better deal simply by virtue of being one of the surgeon’s patients. If your surgeon provides you with the loan application form, you may be able to return it to your surgeon so that he or she can then pass it along to the loan company.

Visit the DocShop gallery to view abdominoplasty before and after photos.

Photo credit: Pacific Plastic Surgery

Talk to a Surgeon to Learn More about Abdominoplasty Costs

The surest way to determine the tummy tuck prices at a given cosmetic surgery practice is to contact the surgeon or staff to schedule a consultation. After you discuss your needs and options fully, the surgeon can tell you what your abdominoplasty will cost. Use DocShop today to find a qualified cosmetic surgeon who is experienced with abdominoplasty procedures.

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