Tummy Tucks: The Procedure, Costs & Your Financing Options

Tummy tucks, formally known as “abdominoplasty,” are an incredibly popular cosmetic procedure. Tens of thousands of patients undergo this voluntary operation every year, and most couldn’t be more pleased with the results.

Despite its popularity, many people have questions about tummy tucks. Specifically, prospective patients want to know what the procedure entails, how much it costs, and if there are any customer financing options available.

With that in mind, we’ve put together this informative guide, where we’ll explore the particulars of the procedure in greater detail, along with its potential benefits and costs. We also highlight some potential financing options, such as point-of-sale loans.

What Is a Tummy Tuck?

A tummy tuck is a form of plastic surgery designed to improve the looks of the patient’s abdomen. During the procedure, providers flatten the stomach by removing loose skin and excess fat tissue. They also tighten and restore abdominal muscles that may have become weak due to aging or life events like childbirth.

There are several different types of tummy tucks, each designed to address a specific set of patient concerns. Some of the most common tummy tuck procedures include:


Providers consult with a patient to decide which procedure to employ and which will reap the most benefits for the patient.

Some procedures, such as a mini tummy tuck, are less invasive and more affordable. Conversely, full tummy tucks with liposuction and other involved procedures tend to be more costly, though even the most rudimentary type of tummy tuck can cost as much as $3,000 or more.

Benefits of Tummy Tucks

The benefits of a tummy tuck vary based on several factors, including:

However, patients often report experiencing many benefits from their tummy tucks. Some of these may include:

  • Improved appearance of the abdomen

  • A flatter, tighter stomach

  • Less risk of hernias

  • Improved flexibility

  • Reduced abdominal fat (when a tummy tuck is paired with liposuction)

To gather more information about the potential benefits of a tummy tuck, prospective patients should consult with their provider.

An experienced cosmetic surgeon will be able to provide patient-specific information based on a detailed review of the individual’s health history and medical records. They’ll also be able to help the patient choose the right tummy tuck variation for their needs and goals.

How Much Does a Tummy Tuck Cost?

The exact cost of a tummy tuck can vary greatly. A few of the factors that can impact the final price of the procedure include:

  • Type of procedure being performed

  • Size of the area being repaired or altered

  • Whether other services are being performed simultaneously

  • Location in which the procedure is being performed

  • Patient’s medical history

  • Any follow-up treatments required, if applicable

Despite these factors, most patients can expect to pay somewhere in the ballpark of $6,100 for their tummy tuck. This is the national average cost for a tummy tuck, according to the American Society of Plastic Surgeons.

Now let’s shift our attention to how patients can potentially offset some of these costs via insurance and point-of-sale financing options.

Can I Use Health Insurance to Pay for a Tummy Tuck?

Health insurance rarely covers the costs of a tummy tuck because the procedure is considered elective or optional. Insurance policies typically don’t cover these types of procedures because they are not deemed medically necessary.

That said, there are limited scenarios in which insurance companies might consider a tummy tuck to be a medically necessary procedure.

Let’s say, for example, that a patient suffered a severe abdominal injury as a result of a car accident or similar mishap. If the injury caused functional damage to the underlying tissues or organs and negatively impacted the appearance of the patient’s abdomen, an insurance provider might cover some or all of the expenses involved in performing a tummy tuck.

Financing Options for Your Tummy Tuck

If you’re like most patients, your interest in getting a tummy tuck is at least partially related to your personal goals. If that’s the case, you might not be able to rely on your insurance company to cover the costs of your procedure. The good news is that you have several customer financing options available to you.

As part of their efforts to make cosmetic services more accessible, many clinics now offer point-of-sale loans to their clients.

These loans can be used to divide the costs of your procedure into affordable monthly installments. Point-of-sale loans are often available with low interest rates and no prepayment penalties, making them accessible for a broader pool of patients regardless of budget.

What If My Clinic Doesn’t Offer Point-of-Sale Financing?

Finding the right cosmetic clinic to perform your tummy tuck can be challenging. It can be quite a disappointing experience to make up your mind to go with a particular provider only to find out later that they don’t offer point-of-sale financing.

Before you lose hope or start looking for another clinic, consider using LendingUSA’s financing option directly from their website. This approach allows you to locate providers that offer cosmetic surgery point-of-sale loans through LendingUSA, or to quickly and easily get the general financing you need through LendingUSA for cosmetic procedures such as tummy tucks.

Applying for a loan through LendingUSA is incredibly easy. This means that you can obtain the cosmetic services you want while also breaking down the costs into affordable monthly payments that you can live with.

Interested in learning more? LendingUSA can help. We offer point-of-sale cosmetic surgery loans ranging from $1,000 to $15,000. All of our financing options come with transparent repayment terms, and select cosmetic surgery point-of-sale loans include no interest promotions, provided you repay your loan within the designated time frame.

To get started, visit our borrower portal and obtain your custom loan quote and interest rate. You could receive a pre-approval within seconds, allowing you to book a tummy tuck procedure with your preferred provider at your earliest convenience.

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