Most health insurance plans will cover the cost of umbilical hernia repair only. Especially, only if it is deemed medically necessary due to symptoms or complications. The cosmetic aspects of a mini tummy tuck, for aesthetic purposes, are typically considered elective and are not covered by insurance. In the combined procedure, insurance coverage is determined by medical necessity. This means that the hernia repair may be covered, while the cosmetic aspect (mini tummy tuck) is unlikely to be covered by insurance.