How To Get Insurance To Pay For Skin Removal

A. Health insurance for excess skin removal

Excessive skin removal may be a stage of weight loss that you didn’t expect, but Medicare or private coverage can help you pay for it. We support readers and can get paid for visiting links to partner sites. We don’t compare all the products on the market, but we are working on it!

When you’ve lost a lot of weight, excess skin can be a side effect you didn’t expect. The good news is that health care in Australia can help you with this phase of weight loss. Surgery can get rid of excess skin, remove fat at some strategic points, tone up any wobbly abdomen, and put the finishing touches to the incredible weight loss gift you’ve given yourself.

1. How much does private health insurance for excessive skin removal cost?

You can find removal of excess skin in the Silver Plus or Gold guidelines. It’s a pretty high level of coverage, so you’re covered by a number of other things. The table below shows Finder Partners’ health insurance options, including excessive skin removal and other treatments in the PDS. There is a 12-month grace period, which also applies to existing conditions.

2. What causes loose skin?

  1. When you lose weight, your skin tries to get back into shape due to a property called skin elasticity. When you have very loose skin, it cannot recover quickly enough.
  2. Your skin may have lost some of its elasticity over time (due to age, exposure to the sun, stretching for a long time and other factors). Or maybe your weight loss was so fast that even the toughest skin couldn’t keep up. It may be a little bit of both.
  3. In any case, if you were previously significantly overweight and have lost a few pounds since then, many people will have some loose skin.

3. What are the options for skin removal after weight loss?

You can try to minimize excess skin by gradually losing weight and allowing your skin to slowly return to shape. In some cases, lifting weights as part of your weight loss regimen can also help. The new muscle mass replaces part of the lost fat mass, which means that less skin is loosening in the first place. If that doesn’t work and you end up with a lot of loose skin, here are your options if you want to remove it:

  1. Abdominoplasty. Removes excess skin around the stomach and tightens the abdominal muscles. Technically known as abdominoplasty.
  2. Lift your lower body. Removes excess fat and loose skin around the stomach, thighs, back and buttocks.
  3. Elevation of the upper body. Removes excess fat and loose skin around the chest, breasts and center of the back.
  4. Arm reduction. Removes excess skin and tissue around the arm, armpit and lateral chest.
  5. Thigh reduction. Removes excess skin and fat around the thighs.
  6. Liposuction. Removes stubborn fat. It can be used in conjunction with a skin reduction to achieve more beautiful body contours.

4. How does skin removal surgery work?

  1. To remove excess skin, the surgeon will cut the area where the excess skin is, lift the skin from the underlying tissue, cut, reposition the navel if necessary and suture the wound.
  2. If liposuction is necessary, the process is the same, except that the excess fat is removed before the skin is cut. They do this by excavating small spaces in the adipose tissue. After cutting the skin and sewing the wound, you are given compression clothing that reduces these hollow spaces to create a body contour.
  3. In the case of an abdominoplasty, the process is the same, but the surgeon will sew loose or broken abdominal muscles before removing fat.

5. Does Medicare cover the removal of excess skin?

Medicare will cover the removal of your skin, but only if it is medically necessary. To be approved, you must meet all of the following conditions:

  1. Your BMI decreased by at least five points.
  2. His weight was stable for six months before the operation.
  3. You have developed a secondary skin disease that is compromising your skin’s health and has failed with other forms of treatment.
  4. Excess skin gets in the way of everyday life.

6. Is the removal of excess skin covered by private health insurance?

Yes, you can also get insurance for medically necessary skin removal through private health insurance. The advantages of private health insurance are as follows:

  1. You don’t have to wait that long for treatment. Your waiting time in the public system is likely to be very long, as excessive skin removal is not a life-threatening emergency. With private coverage, you can usually get in much sooner.
  2. You can choose your surgeon. Whenever your skin is removed and your body contours, you must be sure that you can choose a surgeon with a good track record. In the public system, you have to go with whoever they give you.
  3. You have your own room. Many public hospitals use shared rooms. You can avoid this and enjoy the privacy of your room by taking out private health insurance.

To be able to cover excess skin removal with private insurance, you must meet the following criteria:

  1. Your condition must meet the Medicare definition of “medically necessary” skin removal above. Medicare is heavily involved in all eligible public and private hospital care. Ultimately, your insurer will not approve anything that is not approved by Medicare first.
  2. The clinically necessary cosmetic surgery should be listed as a covered treatment in your policy. Not all guidelines provide coverage for this treatment. If they do, it is called a clinically necessary cosmetic or reconstructive operation. You can find it in basic to comprehensive guidelines.
  3. You have fulfilled your waiting times. When you buy a new policy, you need to wait some time before receiving certain treatments. With excessive skin removal, the waiting time is probably 12 months, as excess skin is generally considered to be a pre-existing condition.

 

B. The Financial Guide to Excess Skin Removal Surgery

After a serious weight loss, there is much to celebrate – health, confidence and a totally different lifestyle. But even after you’ve worked hard to lose weight, pounds and pounds of heavier skin can stick together and cause physical and psychological pain. Fortunately, excessive skin removal surgery can save 15 pounds or more weight and help you meet all of your weight loss goals. See how you can get insurance coverage for skin removal surgery, as well as other ideas on how to pay for the expensive procedure.

1. Facts about excessive skin removal

  1. Surgeons have been removing skin and fat since the turn of the century, while liposuction and muscle modeling were introduced in the 1950s and 1960s.
  2. More than 55,000 body contouring surgeries were performed in 2016.
  3. From 2012 to 2017, the number of people who received lower body elevators increased by almost 14%.
    5.8 million reconstructive operations were carried out in 2018.
  4. After an abdominoplasty or panniculectomy, you will need to stay in the hospital for one night to a week. You won’t be able to lift heavy weights or exercise for about six weeks.
  5. Qualified surgeons will not perform body shaping surgeries unless you have maintained a stable weight for at least three to six months.

2. How much does a skin removal operation cost?

How much does skin removal surgery cost? There are some factors that can affect the cost of the surgery. However, the most common are the geographic location, the surgeon’s level of experience and their specific needs. When it comes to skin removal surgery, also known as body shaping surgery, you can choose from several different procedures at different prices.

Abdominoplasty is one of the most common types of body contouring surgery, which removes excess skin and fat from the abdominal region and tones the muscles. Panniculectomy, which only removes excess skin, is also a very common surgery that people perform after extreme weight loss.

a. Surgical costs

Exactly how much does skin removal surgery cost? These are the basic overhead costs for the most common plastic surgeries that cause the skin to lose skin after weight loss, according to the American Society of Plastic Surgeons:

  1. Panniculectomy: $ 8,000 to $ 15,000
  2. Lower body lift: $ 7,900
  3. Arm lift: $ 3,500
  4. Thigh lift: $ 4,500
  5. Breast lift: $ 4,200

b. Other costs

  1. Anesthesia rate
  2. Plant and material costs
  3. Prescription costs

3. How to pay for skin removal surgery: three ideas

Any type of surgery is never cheap, but there are several ways to save money or even pay for the surgery in full. Below are the best ways to pay for the surgery.

a. Insurance

It is not always easy to understand how insurance can cover your skin removal surgery. Not all insurers pay for this type of surgery, but it may be possible to cover it in whole or in part if your doctor argues that this surgery will improve your health and quality of life.

b. Talk to your doctor

You will need to prove that your surgery is medically necessary so that your insurer can pay for it. Therefore, you must speak to your doctor first. Start by documenting all the steps you have taken to solve your medical problems so that your doctor can understand that surgery is really the last resort.

Your doctor will need to provide a record that shows that excess skin has caused rashes, ulcers, or back problems, or generally prevents you from participating in normal daily activities.

c. Decide what type of surgery is best

Most insurers regard abdominoplasty as a cosmetic procedure and do not cover it. On the other hand, panniculectomy is generally referred to as a reconstructive procedure that insurers are likely to pay for. Talk to your doctor about the type of surgery that best suits your needs, taking into account what your insurance company is likely to cover.

4. Work with your insurance company

Check your Benefits and Coverage Summary (SBC) to see if you have reached your deductible or maximum disbursement and whether your insurance will pay for all or part of the operation. Have the correct insurance code in hand for your surgery, so you are not confused about which procedure you want to use.

5. Group transactions and pay cash

Even if your insurance company pays for the surgery, it is sometimes cheaper to pay out of pocket when you have a high deductible plan. Paying in cash is also another way to save, as many hospitals and plastic surgery clinics offer small discounts of 5 to 10% for cash prepayment. Many clinics also offer discounts if more than one procedure is performed at the same time.

6. Try crowdfunding

Thousands of people resorted to crowdfunding to get help out of pocket to pay for medical expenses or to avoid medical bankruptcy. When insurance coverage fails or you need to raise money quickly, crowdfunding can be a lifeline.

It is natural to be concerned about the shame or embarrassment you may feel when publicly sharing your weight loss story and asking for financial help. However, if you have worked hard to lose extra weight and live a healthier life, you will probably find that your family and friends will be happy to guide you through this final stage of your weight loss journey.

These are just a few people who asked their networks for help to pay for skin removal surgery and received support:

a. Miss_itty_britty skin removal fund

At 23, Brittany embarked on an incredible journey to lose weight that changed her life. But after losing more than 136 pounds, she had extra folds of skin that were causing pain, discomfort and limited ability to live a full life. After her insurance claims were denied, Brittany resorted to crowdfunding and raised more than $ 11,500 to remove excess skin.

b. Excess jesse skin removal surgery

Jesse weighed 300 kilos and hadn’t left home for years when he found a bodybuilding website that triggered something inside him. He decided to change his life and lost almost 400 pounds. The rapid and dramatic weight loss left pounds of excess skin that caused severe pain and rashes during exercise. Jesse couldn’t afford the $ 20,000 transaction and started an online fundraiser. He reached his goal and raised $ 20,755 for the life-changing procedure.

7. Find financial relief for weight loss surgery today

You’ve worked hard to lose weight and stay healthy – and you deserve to feel safe and healthy in your new body. If you don’t know how to pay for skin removal, GoFundMe can help. You can create a fundraiser in minutes. You can easily access your network with our sharing tools. Apply today and complete the final step in your weight loss.

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