While arm liposuction is typically considered a cosmetic procedure and not covered by health insurance, there are rare exceptions where partial reimbursement might be possible. Insurance providers may cover some of the costs if the surgery is deemed medically necessary, such as cases involving lipedema (a condition causing abnormal fat accumulation) or post-trauma reconstruction.
To explore this possibility, obtain a letter of medical necessity from your surgeon and contact your insurance provider for a pre-authorization review. Even if approved, expect to pay a significant portion out-of-pocket, as coverage typically only applies to the medically necessary aspects of the procedure, not the cosmetic components. When submitting insurance claims for consideration, it’s crucial to document any conditions and previous treatment attempts.
Most plastic surgery practices partner with medical financing companies, like CareCredit, Alphaeon Credit, or Prosper Healthcare Lending, offering payment plans that can make arm liposuction more manageable. These credit options typically provide terms ranging from 6 to 60 months, with some plans offering 0% interest if paid within a promotional period (usually up to a year). Monthly payments may be as low as $100-$300, depending on the total cost and term length.
Many practices also offer in-house layaway plans, allowing you to split the cost into several installments before the procedure. Always compare APRs and terms from multiple financing sources to secure the most favorable arrangement for your budget.