Buried Penis, Scrotum, Constriction/Pain. What Are My Options? (photo)

Hi I'm 25 years old and weigh 220 lbs and have a large fat mass surrounding my penis and scrotum. Penis size is normal. The glans frequently invaginates into the surrounding penile skin when bending over and not erect. I also feel like my scrotal sac is being pushed in an anterior/superior direction and often feel constriction and occasionally pain around this area. I would like this fat removed surgically but am wondering if this procedure is typically covered by insurance companies.