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How I Paid for my Tummy Tuck

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When I first decided to share about my tummy tuck experience, I never imagined the outpouring of support or questions.  Today I am sharing how I paid for my tummy tuck which includes the total cost as well as tummy tuck payment ideas for you too!

5 Tummy Tuck payment ideas

6 Month Update

It has been 6 months since I had my tummy tuck surgery.  You can read all about why I had the surgery here and about my recovery here.  Overall, I feel amazing.  I have been able to start light workouts and really stretching my new abs out.  I am getting used to my new body and although I have put on some weight, I am still so happy that I had surgery. 

Tummy tuck payment ideas

I have had some issues loving this body.  I knew that having my back pain alleviated, was the most important part of the surgery, but part of me absolutely was looking forward to seeing a flat stomach and being more confident.  That wasn’t exactly my experience.  I have had some body dysmorphia issues that I didn’t realize would pop right up.  I can honestly see why people get addicted to plastic surgery, because I would be lying if I didn’t see the chunk around my bra line and think about how easy it would be to just have that removed. 

How I paid for my tummy tuck

I actually was starting to have some obsessive issues over this and I think surgery along with winter and a pandemic and the isolation of teaching at home was just a bad combination, but one that kept me from really writing more about this.  I have a plan to share more on this topic in the future, but I am working on that self-love aspect of recovery and just adjusting to this body.  So that is where I am at 6 months out.  Body looks and feels great, mind hates me.

How I Paid for My Tummy Tuck 

I get at least 10 questions a week about this surgery.  I welcome any and all that come my way and am so glad to share my experience.  I am not a medical professional, but I truly believe that first hand accounts can be really beneficial to learn from.  Two of the questions that I get the most are, how much my surgery cost and how I paid for my tummy tuck?The first question is pretty straight forward.  In Colorado, with a board certified plastic surgeon who is one of the top in the state, I paid $12,500 with $500 of that being for the long lasting pain injection (exparel).  I did have a small bit of lipo to my flanks to help shape and smooth everything together which is pretty typical for any quality surgeon out there. 

Tummy Tuck Consult

From the day of my surgical consult to the surgical date, I had 15 days. I was less than prepared for this and because the doctor wanted to have this fixed urgently and it worked out for my work schedule I agreed to move quickly.  Two weeks is not enough time to save for a surgery that I was not really considering until possibly the following year.  I honestly thought I would have the consult and then save up and pay in full for the surgery to have it. 

Tummy Tuck Cost in Colorado

That is what MANY people do for their surgery and if you have the means and the time, do it!  Save for you and get that surgery.  However, I didn’t have that time or disposable savings to work with.  Instead, I went ahead and used my CareCredit account and took advantage of the doctors offer of 18 months zero interest. That is it.  I have 18 months to pay this surgery off in full with zero interest so I am just making payments monthly to have it paid off soon. 

Tummy Tuck Payment Ideas For You

I thought it might be a good idea to share some possibly payment options for those considering plastic surgery of any type.  Here is a quick list I put together:

  1. Consult then Save: Typically surgeons will charge you a consult fee but they will also give you a surgical estimate that is good for 6 months to a year.  I highly recommend scheduling a few consults with a few doctors and then choosing the one that has the best work, credentials, reviews and bedside manner then saving for your surgery.  I have seen some BOTCHED work from people rushing into surgery just because the cost is low.  It is your body and your money, make a good investment.
  2. Payment Plans:  Often surgical offices will have a payment plan option for patients.  When you are doing your consults, ask about this, see what they offer and see if you can set up a payment plan with them directly. 
  3. Insurance: My insurance didn’t cover surgery.  Initially they would have covered the portion that fixed my muscles but would have left the excess skin and honestly, if I was going through that pain, I was going to look decent. If you are dealing with debilitating issues, contact your insurance and see how much they are willing to cover, you might be surprised to find that they cover certain surgeons. 
  4. CareCredit: Often surgical offices will partner with CareCredit to offer zero interest payment plans.  You essentially have to qualify for the line of credit via CareCredit and then you can use that to pay.  It is set up as a sort of medical/vet expense plan.
  5. Loans: I have heard of people taking out a loan to pay for surgery as well.  This could be a good option if you want a longer term, can find a low to zero interest option and want to really build up your credit. 

I know that how I paid for my tummy tuck is not for everyone and I hope these tummy tuck payment ideas help you out.  Let me know if you have any other questions about tummy tucks in the comments. 

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Sunday 27th of March 2022

Can you share the name of the doctor that you used for the tummy tuck. The name of the scar gel you used if it was something other than just bio oil. How to go about finding the right doctor that has a good reputation for minimal scarring. I live in Atlanta and I am using a site called realself but your results are amazing and I do need advice for the best way to find a doctor who has a great technique to minimize scarring. Thank you for sharing your results and everything you did for a great recovery.


Monday 28th of March 2022

Hi! If you go ahead and email me ( I will share my surgeons name. I used Aeromas scar gel ( I would need to write entire posts on the doctor search, a lot of it was word of mouth and just searching images. All of it is doctor technique. Look at the belly button. If the belly button looks off, find a new surgeon. That is like their signature.


Tuesday 14th of December 2021

Hi Laura, I'm so glad I found this blog. I'm going to get a tummy tuck with lip sometime early next year. I noticed in one of your pictures that you were wearing the compression stockings. Did they give them to you at the hospital or did you purchase them and were they required as part of your recovery? Thank you, Lori


Tuesday 14th of December 2021


They were on me when I came out of surgery lol. I am sure I paid for them in my fees but they were required for me to wear for I think 3-5 days.


janie aleshire

Wednesday 24th of November 2021

Just wanted ask you a question. I have been wanting to do this for along time. I had a breast reduction in 2018, awesome Dr. I have talked to him and got a price. My question is did you have to loose any weight before surgery?


Wednesday 24th of November 2021

Hi! I did not have to lose any weight for my surgery however many many surgeons require a specific BMI before they will do the surgery.


Wednesday 3rd of February 2021

It's so awesome that you're sharing your experience. You're right that personal stories about surgeries can really help others. I'm happy for you that you were able to pay for the surgery and get it done so quickly.


Sunday 7th of February 2021

Thank you so much!

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