Motherhood brings immense joy, but it can also lead to significant changes in a woman’s body that may affect her self-confidence and comfort. A Mommy Makeover is a personalized combination of cosmetic procedures aimed at restoring your pre-pregnancy body contours and boosting your self-esteem.
If you’re thinking about a Mommy Makeover, it’s important to have a clear picture of the costs, potential insurance coverage, and financing options available. Since this is a big investment—both financially and emotionally—taking the time to explore what may be covered by insurance and what payment plans or financing options are available can make the process feel more manageable. Doing your research upfront means you can move forward with confidence and focus on the exciting changes ahead.
What Does a Mommy Makeover Cost?
A Mommy Makeover typically includes a combination of several cosmetic procedures. The cost of your Mommy Makeover will vary based on the specific procedures you choose, your plastic surgeon’s expertise, and the region where you live. Below is a general breakdown of average costs for common procedures:
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Mommy Makeover: Cost and Components |
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|---|---|---|
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Procedure |
Description |
Average Cost (USD) |
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Tummy Tuck(Abdominoplasty) |
Removes excess skin and tightens abdominal muscles. |
$8,000 – $12,000 |
|
Restores lost breast volume using implants or fat transfer. |
$7,000 – $10,000 |
|
|
Breast Lift |
Raises and firms sagging breasts. |
$10,000 – $14,000 |
|
Reduces excess breast tissue for improved proportion and relief from discomfort. |
$14,000 – $17,000 |
|
|
(per area) |
Eliminates stubborn fat deposits to enhance body contours. |
$3,000 – $7,500 |
Note: These figures are approximate and can vary based on individual circumstances and provider fees.
Beyond the primary surgical costs, patients should anticipate additional expenses, including:
- Anesthesia Fees: Typically range from $2,000 to $3,500.
- Facility or Hospital Fees: Can range from $2,000 to $3,500.
- Post-Surgery Garments: Compression garments may cost between $100 and $200.
- Medications: Prescription pain relievers and antibiotics may add to the overall cost.
To avoid unexpected costs, ask for a detailed quote from your surgeon that encompasses all potential expenses for their practice and hospital affiliations.
Your plastic surgeon will address your individual concerns and aesthetic desires at your consultation appointment. No two moms are alike, so no two mommy makeovers will be the same either. Find an expert plastic surgeon who makes you feel heard and understood in your goals.
Insurance Coverage: What’s Covered and What’s Not
Most parts of a Mommy Makeover are considered elective cosmetic procedures, meaning insurance typically won’t cover them. However, there are some exceptions in certain cases. For example, if a procedure is deemed medically necessary—such as a breast reduction to relieve back pain or a tummy tuck to repair abdominal muscles after pregnancy—insurance may cover part of the Mommy Makeover cost.
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When Insurance Might Pay For Parts of Your Mommy Makeover |
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|---|---|
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Breast Reduction |
If excessively large breasts cause physical issues such as back or neck pain, insurance may cover part or all of the reduction procedure. |
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Hernia Repair |
If a hernia is present and repaired during a tummy tuck, insurance might cover a portion of the surgery. |
Coverage varies widely depending on your provider and policy, so it’s always a good idea to reach out to your insurance company to ask about eligibility. Be sure to inquire about any required documentation, such as medical records or a letter of medical necessity from your doctor, to support your claim. Understanding your coverage options in advance can help you plan financially and avoid unexpected expenses.
Financing Options: Making Your Mommy Makeover Affordable
Since most aspects of a Mommy Makeover are self-funded, exploring financing options can help make your desired procedures more affordable and help you work out manageable payments. Payment plans, medical credit cards, or third-party financing options might allow you to spread out the cost over time.
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Financing Options To Cover Mommy Makeover Costs |
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|---|---|---|
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Option |
Description |
Typical Interest Rate |
|
Medical Credit Cards |
Specialized credit cards, such as CareCredit, offer financing plans with promotional periods of no interest if paid in full within a specified timeframe. |
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Personal Loans |
Unsecured personal loans from banks or credit unions, often with fixed interest rates and repayment terms, can be used to cover surgical expenses. |
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Traditional Credit Cards |
This can be a convenient option if you have a credit card with a sufficient limit and favorable terms. |
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Before committing to any financing plan, take the time to carefully review the details, including interest rates, repayment terms, and any potential fees or penalties for late payments. Understanding these factors upfront will help you choose the best option for your budget and ensure you can move forward with confidence.
No Surprise Act for Mommy Makeover
For surgeries performed in hospitals, patients now have a valuable option to reduce out-of-pocket costs when working with an out-of-network surgeon. Thanks to the No Surprises Act (Section 2799B-3 of the Public Health Service Act), patients are protected from paying more than the typical in-network rates. This means that expenses such as co-pays, co-insurance, and deductibles are capped at what you would normally pay for an in-network provider.
Although this process requires additional coordination and paperwork from your plastic surgeon’s office, at Harris Plastic Surgery, we are committed to handling these extra steps to help you access the care you want without unexpected financial burdens.
Harris Plastic Surgery: Your Mommy Makeover Experts
A Mommy Makeover can be a life-changing experience, helping to restore your body and confidence after childbirth. By understanding the associated costs, potential insurance coverage, and available financing options, you can make an informed decision that aligns with your financial situation and aesthetic goals. Spend time with your plastic surgeon during your consultation to discuss your payment and financing options and ask for a personalized quote tailored to all of your needs.
If you’d like to learn more about the mommy makeover cost for our office, contact us online or by phone/text to schedule your consultation today.
Stephen U. Harris, MD FACS
Dr. Stephen U. Harris is a board-certified cosmetic surgeon and recognized expert in breast reduction and reconstruction surgeries, having performed thousands in his career. When it comes to patient care, his philosophy is that every surgery should improve his patient’s overall quality of life, not just their appearance. Dr. Harris stays up-to-date on all the latest advancements in breast augmentation, reconstruction, and reduction and is a recognized innovator in the field. In fact, he was the first surgeon at Good Samaritan Hospital to offer primary prepectoral implant breast reconstruction, as well as secondary prepectoral revision surgery.
Dr. Harris also serves as Chief of Plastic Surgery at Good Samaritan Hospital in West Islip, New York and is an active staff surgeon (and former Chief of Plastic Surgery) at South Shore University Hospital in Bay Shore, New York.
