More results...

Generic selectors
Exact matches only
Search in title
Search in content
Post Type Selectors

The Ultimate Guide to a Mommy Makeover: Transforming Your Body After Pregnancy

Motherhood is a beautiful journey but can also take a toll on the body. Pregnancy and childbirth can lead to significant changes, such as sagging breasts, loose skin, and stubborn fat deposits. To restore their pre-baby body, many women choose to undergo a “mommy makeover” – a comprehensive cosmetic procedure that addresses multiple concerns at once. This blog post will guide you through what a mommy makeover is, how it works, the costs involved, recovery time, and financing options to help you decide whether this transformative procedure is right for you.

What is a Mommy Makeover?

A mommy makeover is a customized combination of surgical procedures designed to help women regain their pre-pregnancy body contours. Each makeover is tailored to the individual’s needs and may include one or more of the following procedures:

  • Breast augmentation: To restore volume and shape to breasts that have become deflated or saggy after pregnancy and breastfeeding.
  • Breast lift: To raise and reshape sagging breasts by removing excess skin and tightening the surrounding tissue.
  • Tummy tuck (abdominoplasty): To remove excess skin and fat from the abdominal area, and repair weakened or separated muscles for a flatter, smoother appearance.
  • Liposuction: To eliminate stubborn fat deposits in various areas, such as the hips, thighs, and abdomen, that are resistant to diet and exercise.
  • Labiaplasty: To address aesthetic or functional concerns with the labia that may arise after childbirth.

How Does a Mommy Makeover Work?

A mommy makeover typically begins with an initial consultation with a board-certified plastic surgeon. During this meeting, you will discuss your concerns, goals, and expectations. The surgeon will evaluate your health, medical history, and body type to determine which procedures best address your needs.

Mommy makeovers are typically performed under general anesthesia and may require one or multiple surgical sessions, depending on the procedures involved. In some cases, certain procedures can be combined into a single surgery, reducing overall recovery time and costs.

Cost of a Mommy Makeover

The cost of a mommy makeover varies significantly depending on the specific procedures, the surgeon’s fees, geographic location, and other factors. On average, the total cost can range from $10,000 to $30,000 or more. It’s important to note that this is a comprehensive procedure, and the cost will include surgeon’s fees, anesthesia fees, facility fees, and post-surgery care.

Keep in mind that most health insurance plans do not cover cosmetic procedures, so it’s essential to discuss costs and payment options with your surgeon beforehand.

Recovery from Surgery

Recovery from a mommy makeover depends on the specific procedures performed and the individual’s healing capabilities. Generally, patients can expect to take about two to four weeks off from work and daily activities. Swelling, bruising, and discomfort are common during the first few weeks, and your surgeon may recommend pain medication and compression garments to manage these symptoms.

It’s crucial to follow your surgeon’s post-operative instructions, including activity restrictions, wound care, and follow-up appointments. By adhering to these guidelines, you can minimize the risk of complications and ensure optimal results.

Financing Your Procedure

Since insurance typically does not cover the cost of a mommy makeover, many patients turn to financing options to help manage the expense. Here are some popular financing methods:


Medical financing companies: These companies offer loans specifically for medical procedures, often with competitive interest rates and flexible repayment terms.

Personal loans: You can apply for a personal loan through your bank or credit union, which can be used to cover the cost of your mommy makeover. Interest rates and terms will vary depending on your credit score and financial situation.

Credit cards: Some patients choose to pay for their mommy makeover using a credit card, particularly if they can take advantage of a low-interest or zero-interest promotional period. However, be cautious of high-interest rates and fees, which can make this option less cost-effective in the long run.

Payment plans: Some plastic surgeons offer in-house financing or payment plans that allow you to spread the cost of your mommy makeover over several months or years. Ask your surgeon if they offer such options during your consultation.

Health savings accounts (HSAs) and flexible spending accounts (FSAs): If your employer offers an HSA or FSA, you can use these tax-advantaged accounts to pay for eligible medical expenses, including certain cosmetic procedures. Be sure to check the specific rules of your plan to determine if your mommy makeover qualifies.

A mommy makeover can be a life-changing procedure for women looking to regain their pre-pregnancy body and boost their self-confidence. By understanding the process, costs, recovery time, and financing options, you can make an informed decision about whether this transformative procedure is right for you. Always consult with a board-certified plastic surgeon to discuss your goals and ensure you receive the best possible care and results. With proper planning and a supportive team, a mommy makeover can be a rewarding investment in your well-being and self-esteem.


Ready to explore your options for financing a mommy makeover? You can start an application here.

United Credit strives to keep the content shared on this blog accurate and up to date. You are urged to consult with business, financial, legal, tax and/or other advisors and/or medical providers with respect to any information presented. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial or medical institution. This content is intended for informational purposes only.

Follow us on social:

Jessica Payan

VP of Human Resources

As a certified Professional in HR (PHR), Jessica brings 10 years of HR experience to the United Credit team. She is responsible for managing the strategy and processes related to building and retaining an exceptional team of professionals. Jessica is passionate about supporting each employee to be their most successful and exemplifies our core values daily.

Aaron Mishkin


As Controller, Aaron manages the income and expenses of the Company and the incoming and outgoing loan funds with the utmost integrity. He is a lifelong learner with multiple degrees and certifications to his name and 25 years of working in financial services. Aaron’s reason behind being a part of the United Credit team is to make a difference in the Company and to his coworkers, our partners, and our customers.

Jorge Lazaro

VP of IT

Jorge works closely with cross-functional partners throughout the business to develop virtual experiences and oversees the IT team that keeps our platforms running smoothly. His goal is to provide an optimistic approach to the challenges we face while supporting our staff and partners with respect. With over 6 years of working for United Credit, Jorge brings a wealth of knowledge about our history and computer engineering.

Brett Walisever

VP of Strategic Accounts

Brett spearheads our business sales growth by identifying and supporting new merchants in partnering with United Credit. He has 10+ years of sales, contract negotiation, and market strategy experience that he brings to each new merchant and our team. His desire is to support the growth of United Credit and the merchants we serve through respect and collaboration.

Andria Sullivan

Chief Experience Officer

Andria is a seasoned leader with over 10 years of experience in providing world-class customer service and directing consumer finance processes. She oversees the tracking, reporting, and achievement of our company goals, long and short-term projects, and special initiatives. Andria is service-minded when it comes to collaborating internally and externally, and it shines through in every interaction.

Nate Moster

Chief Sales and Marketing Officer

As Chief Sales and Marketing Officer, Nate expertly drives revenue growth for United Credit by leading sales and marketing strategies across all channels. With over 20 years of experience working with global brands in various industries, Nate has a proven track record of boosting sales, expanding market share, and building strong relationships. His unique ‘right-brain + left-brain’ approach combines business acumen and strategic thinking with striking creative execution, ensuring United Credit’s sales and marketing efforts consistently deliver results for continued success.

Matthew Libman

Founder & President

Matthew is the President and Founder of United Credit. Matt founded fintech company United Medical Credit in 2011 to connect consumers and businesses with an array of experienced, innovative financing solutions. In 2022, the company grew and became United Credit, fueling an expansion into retail markets while retaining its expertise in specialty healthcare.

Since its founding, Matt has provided leadership for all aspects of the Company, emphasizing long-term growth while ensuring United Credit delivers value to its consumers, merchants, and business partners. The Company has risen in the fintech space as a preferred consumer financing partner under his tenure.

Matt is also an active member of YPO (Young Presidents’ Organization), the world’s largest leadership community of company chief executives.