After having my daughter 4 years ago, it left me with a “bib”– excess skin or belly that hangs down. I also have an umbilical hernia. I was wondering if the excess heavy flab of my belly has any affect on the hernia, and if insurance would cover having that removed when I get my hernia fixed? Thank you for your time.

A: Tummy tuck, hernia

Insurance may cover the repair of your umbilical hernia, which could be performed at the same time as your tummy tuck. The cosmetic portion (tummy tuck) however, will not be covered by your insurance. This varies depending on your particular insurance carrier and I recommend you check with them and a board certified plastic surgeon to get “preauthorized” prior to any procedures.

If your excess skin/tissue is hanging low enough, to or lower than the upper portion of the pubic/vaginal area, then insurance may infact deem your condition as reconstructive and possible cover the procedure. Your plastic surgeon would have to submit photos along with a letter of medical necessity to get you approved.