The motivation behind having liposuction is generally aesthetically driven, as lipo is a method of removing specific pockets of fat that a patient finds undesirable. However, is there ever a time when liposuction would be considered medically necessary and therefore covered by your health insurance?

Insurance Companies and Lipo

Patients who have health problems due to being overweight have often tried to get liposuction paid for by their insurance company by claiming the weight loss will improve their overall health. The problem with this argument is that liposuction is not designed to aid in weight loss and is considered a cosmetic procedure.


For obese individuals whose weight poses serious health threats, gastric bypass surgery will often be covered by insurance companies because it has been proven to deliver significant, and often life saving, weight loss.

Possible Exceptions to the Rule

If you think you have a unique situation that makes liposuction medically necessary for your overall health, it never hurts to make a case to your insurance company and see if they’ll approve the procedure. While any requests to have lipo covered will most likely be denied, liposuction may be sometimes be eligible for coverage when it’s performed as part of another procedure that is covered by insurance. A great example of this is in the case of a breast reduction, which sometimes necessitates some liposuction as part of the reduction process itself.

What to Do When Insurers Say No

If you have your heart set on liposuction but can’t get covered by your insurer, don’t give up. Many people who go for a consultation find that lipo can be surprisingly affordable. Convenient payment plans are often available as well, putting your new figure closer in
reach than you may have thought.