47 Yo Male. Had Umbilical Hernia Repaired 5+ Yrs Ago. Abdominal Muscles Now Separating. Next Step? (photo)

This is classical diastasis recti (separation and loosening of the muscles) and is repairable with a procedure similar to a tummy tuck.  I would recommend making the lower abdominal incision and lifting the skin up to the rib margin, then the surgeon will tighten the muscles and repair the belly button.  If some skin needs to be removed it can be done from the low incision, otherwise, when there is no excess skin the incision is closed over a drain. This is a basic diastasis repair and is not considered a hernia repair.  Most insurance companies would not cover this procedure, but I have had this surgery covered once before on a member of our armed forces. Good luck.

Thanks for detailed posted photos. There is most unlikely any relationship to the umbilical hernia and your diastasis recti effect. So do not count on any health insurance offering coverage. A predetermination letter with photos can be sent but again I believe this is a non covered event. 

Your prior umbilical hernia repair may have little to do with your current situation.  There appears to be separation of your rectus muscles which is much more common in women due to pregnancies or in men who had previously been obese.  You do appear to be in good shape now.  Lifting 100+ lbs frequently and taking kicks and strikes to the abdomen will certainly put a severe strain on your abdominal wall as well as causing discomfort.

If you decide to consider "correction", it will be essential that you avoid such trauma for many months or permanently after surgery to minimize recurrence.

You could consult with a general surgeon with a lot of experience in abdominal wall/hernia reconstruction to explore your options.