12 answers

Nikhil Kamath Nikhil Kamath Joined Jan 2026 8 months ago
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I was just reading about this on a health forum. It seems Aetna usually considers skin removal to be cosmetic unless it is a panniculectomy that is causing physical functional issues. It's crazy how much documentation they require to prove it is a medical necessity!

Vikram Sethi Vikram Sethi Joined Mar 2026 7 months ago

When I consulted the plastic surgery team at Fortis, they explained that Aetna only covers skin removal if it is medically necessary. This means you must have documented chronic rashes or infections that don't respond to medicine. It is best to ask your surgeon to document these symptoms clearly for the insurance.

Radha Devi Radha Devi Joined Jan 2026 8 months ago

Losing so much weight is a very big achievement, beta, God bless you. For the loose skin surgery, these big insurance companies usually say no unless there is a painful rash or wound under the skin. Do ask your doctor to write a letter to them explaining your pain.

Rohan Joshi Rohan Joshi Joined Apr 2026 6 months ago

Losing weight is hard enough, and now we have to fight insurance to get rid of the leftover suit! Aetna will basically cover it only if your hanging skin is causing a literal medical crisis. Otherwise, they'll just tell you to wear tight clothes and call it a day!

Sanjay Dutt Sanjay Dutt Joined Jul 2026 4 months ago

I got my panniculectomy covered by Aetna after losing 60 kgs, but it took six months of paperwork. You need your dermatologist to write down every single time you had a skin infection or rash under the folds. Without that medical history, they will reject it as cosmetic.

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Preeti Chawla Preeti Chawla Joined Feb 2026 8 months ago

Look, Aetna will not pay for cosmetic shaping, let's be real. They only pay if the extra skin is causing real infections and medical trouble. Get your doctor to write a strong clinical letter, otherwise you will have to pay for it yourself.

Tanya Malhotra Tanya Malhotra Joined Feb 2026 8 months ago

Hey! I am also planning for this soon. Standard tummy tucks aren't covered by Aetna, but a panniculectomy is if it's causing physical issues. Definitely start documenting any rashes with your doctor now so you have a solid paper trail when you apply for approval.

Ananya Nair Ananya Nair Joined Jan 2026 8 months ago

Losing weight is such an amazing achievement! 🎉 Aetna does cover skin removal if it's causing physical pain or bad rashes. Just work closely with your doctor to submit all the medical proof, and hopefully, they will approve it quickly! Good luck! 👍

Arjun Mehta Arjun Mehta Joined Mar 2026 7 months ago

If you look up Aetna's clinical policy bulletin number 0211, it outlines the exact medical criteria for a panniculectomy. The hanging skin must cover the pubic area and you need proof of skin issues that lasted at least three months. Having these exact details helps when talking to your doctor.

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Meera Sen Meera Sen Joined Apr 2026 6 months ago

You have done an amazing job with your weight loss journey, please be proud of that. Don't worry too much about the surgical costs yet. We can talk to a good surgeon who knows how to present the case to Aetna so they cover it under medical necessity. Take it step by step.

Karan Gill Karan Gill Joined Jun 2026 5 months ago

I just recovered from my skin removal surgery last month. Aetna covered the lower abdomen part because I had severe hygiene issues and back strain, which my doctor documented beautifully. It was a tough recovery but totally worth pushing the insurance for.

Savitri Sharma Savitri Sharma Joined Jun 2026 4 months ago

I know how uncomfortable that excess skin can be, especially with painful chafing in our hot weather. While you try to get Aetna to cover it, using thoda coconut oil or antifungal powder helps a lot with the irritation. Keep trying with the insurance, hopefully they will understand your pain.

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