Loans for Plastic Surgery: Tummy Tuck

In February 20, 2014


Tummy tuck, or abdominoplasty, as defined by, is the surgical process of removing excess fat and skin, and in most cases, restoring “weakened or separated muscles to create an abdominal profile that is smoother and firmer.” adds that abdominoplasty can “smooth unsightly stretch marks beneath the navel” which commonly occurs after pregnancy or after excessive weight loss.

As stated in the website of the American Society of Plastic Surgeons (ASPS), tummy tuck is a “highly individualized procedure” that should be done to fulfill a personal commitment to look and feel better, and certainly not to appease someone else’s desire or fit into an idealized image.

Possible candidates are those who are physically healthy and at a stable weight, those who have realistic expectations, and those who do not smoke. Women who are still considering getting pregnant in the future or those who are planning to lose substantial weight should postpone this kind of surgery because these actions can diminish the results of a tummy tuck.

What Are The Different Types of Tummy Tucks? noted that there are several types of tummy tucks based on patients’ individual cases.

A traditional tummy tuck will require work in most of the abdomen which involves a large incision from hip bone to hip bone. The extended tummy tuck will need a larger incision. This is recommended for patients with lower belly flab beneath the navel. Generally, these two types of tummy tucks are for those with most corrective issues.

A less invasive form is the endoscopic tummy tuck wherein a camera, on a long tube, is inserted through small incisions. This type involves the most minimal bruising, swelling and scarring. Laser and mini tummy tucks are also available for patients within 10 percent of their desired weight.


Preparing for a Tummy Tuck What Should I do?


Once you’ve decided to undergo a tummy tuck, you will need to undergo the following preparatory procedures.

  • Get lab testing or medical evaluation.
  • Take certain medications or adjust your current intake.
  • If a smoker, stop well in advance of surgery.
  • Avoid taking aspirin, anti-inflammatory drugs and herbal supplements which can increase bleeding.

What Are The Tummy Tuck Costs To Consider?


According to ASPS, the average cost of a tummy tuck is $6,253 based on 2018 statistics. This cost does not include anesthesia, operating room facilities, surgeon’s fee, prescriptions for medications, medical tests, post-surgery garments, and other related expenses.

It is also important to consider where you will get your tummy tuck. For example, the procedure may be more expensive in New York as compared to Mississippi. The cost is also higher for females because there are more tests needed.

Most insurance companies will consider this as an elective procedure so this will most likely be not covered by your policy. Aside from spending your savings or maxing out your credit cards, a more viable option is to get a plastic surgery loan.

United Medical Credit (UMC) helps potential patients obtain financing for cosmetic surgery procedures such as tummy tuck. As an intermediary, UMC has more than a decade of experience and track record in service reliability when it comes to helping prospective patients get loans for plastic surgery, bariatric surgery, fertility procedures, dental surgery, Lasik and eye surgery, vision care, hearing aids and devices, and other general healthcare requirements.

UMC offers Same-as-Cash (SAC) programs ranging from six to 24 months on approved credit and with provider participation.

For more information on UMC’s loans for plastic surgery and other services like vision care, contact (888) 647-4333, send an e-mail to or visit the website,


What Will My Tummy Tuck Surgery Cost?


The best way to find out is to speak to your surgery clinic. The average cost of a tummy tuck procedure is over $6000. Many patients opt for financing options for their mommy makeover.


What Factors Affect Tummy Tuck Prices?


Tummy tuck costs vary by region and surgery center. Some surgeon’s fees may be more than others. Other factors like your gender, the extensiveness of the procedure, anesthesia, any necessary tests, and medications as well as the length of your hospital stay, if any, will impact your total cost. 


What other types of plastic surgery might be covered by insurance?


Insurances may cover some plastic surgery procedures like corrective surgeries or surgeries to alleviate a specific issue. For example, your health insurance could cover breast reconstruction after a mastectomy or a breast reduction to fix back strain. Breast augmentation as a cosmetic procedure would not be covered by most insurance. Health insurance companies will usually only pay for a procedure deemed medically necessary. 


How long does tummy tuck surgery swelling last?


Many people want to know how soon the swelling goes down after tummy tuck surgery. Recovery is different for everyone. Many patients see their swelling go down after three months. 


Why should you choose a post-surgical massage?


Post-surgical massage has many benefits. Massage can help reduce scar tissue. Massage can also reduce bruising and promote good circulation, which leads to faster healing. 


Will a tummy tuck get rid of pregnancy stretch marks?


Surgical removal is the most effective way to get rid of stretch marks. However, only stretch marks on the lower abdomen will be affected. Stretch marks on the hips and buttocks won’t go away after a tummy tuck. 


How should I prepare for the abdominal tightening procedure?


A tummy tuck removes excess fat and tightens the skin of the abdomen. The American Society of Plastic Surgeons recommends that anyone considering a tummy tuck stop smoking right away. This is highly recommended well in advance of any major surgery. 

As your surgery date approaches, you will need to stop taking anti-inflammatory drugs as these can cause excess bleeding. You may also adjust your medication or take a new medication. 


What Kind of Results Can I Expect From A Tummy Tuck Procedure?


It will usually take several weeks or months to see the results. Recovery from a tummy tuck is different for everyone. Some people will see their swelling go down more quickly. 


Is there any company that will finance abdominoplasty?


United Medical Credit has been helping patients with financing plastic surgery for years. We can connect you with a personal loan from our network of lenders with low monthly payments for your budget. If you need to finance cosmetic surgery, successful loan repayment can help you build up your credit score. 


What kind of scar can you expect after a tummy tuck?


Scarring depends on many factors. Your plastic surgeon can advise you on what to expect based on your particular procedure. Tummy tuck surgery after a natural large weight loss or after weight loss surgery can leave a more noticeable scar. Genetics and surgery aftercare also play a part.


What type of tummy tuck is right for you?


Mini tucks address the lower belly. Full tummy tucks cover both above and below the belly button. An extended tummy tuck also includes the flanks and hips. Depending on your situation, your plastic surgeon will advise you on the best tummy tuck procedure for your body. 


Will my insurance cover a tummy tuck procedure?


A tummy tuck, also known as abdominoplasty, is unlikely to be covered by insurance. This is because it is considered a cosmetic procedure. After significant weight loss, insurance may cover a different type of surgery called a panniculectomy. This surgery removes an overhanging apron of skin left on the lower belly after significant weight loss.

What is the difference between liposuction and a tummy tuck?


A tummy tuck is a procedure that removes excess fat and skin from the abdominal area. This can correct loose skin after weight loss or pregnancy. Liposuction removes fat deposits found in the stomach, but also the back, buttocks, hips and thighs. A tummy tuck surgery can correct loose stomach muscles, but liposuction does not affect the muscles at all. 


Do I need a tummy tuck or could I just do certain workouts to fix my diastasis recti?


In general, no, a tummy tuck surgery is needed to fix diastasis recti. This is because there is no muscle running horizontally between the muscles that have become pulled apart, so strengthening your abdominal muscles can only do so much. Simultaneously, a tummy tuck will remove excess skin and fat. 


Can you finance my Tummy Tuck surgery with bad credit?


Patients with bad credit or fair credit often wonder if they can receive a loan for a tummy tuck or if they can use their health insurance to cover their surgery. Because plastic surgery like tummy tucks, breast lifts, and breast implants are considered cosmetic procedures, most health insurance companies will not cover them. 


Patients with less than perfect credit may not have an available line of credit large enough to cover their cosmetic surgery, so a loan with a payment plan could work better for them. Even if you have excellent credit, you may not want to use medical credit cards since they can have a high-interest rate if not paid back in a certain period. These are some of the reasons patients prefer to cover their abdominoplasty surgery costs using tummy tuck financing. 


United Medical Credit helps match patients with a lender in our network who can work with their unique financial situation. A loan payment calculator can help you plan for your personal finance goals and check what kind of monthly payment would fit your budget. 


Will the tummy tuck results last?


Tummy tucks are considered a permanent procedure. This is because cosmetic surgery removes excess skin and fat permanently. However, significant weight gain can hide the results and significant weight loss can cause the skin to lose elasticity again. A restful and healthy recovery from your tummy tuck procedure can help you have long-lasting, satisfying results.


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