Generally, insurance does not cover cosmetic surgery, and tummy tuck procedures are grouped in this category. Health insurance companies may occasionally cover a similar procedure, panniculectomy, in certain cases. These cases include extreme obesity, in which the patient has difficulty caring for him- or herself, especially the skin beneath the large belly. Panniculectomy involves taking off this large "pannus" or overhanging abdominal tissue, and does not involve tightening the rectus muscles. Panniculectomy should not be confused with tummy tuck or abdominoplasties.
Best of luck.
Ozge Egun M.D
Aesthetic Plastic and Reconstructive Surgeon