Is This a Herniated Belly Button or Just Pregnancy Damage?

The umbilicus or belly button is a well known potential weak spot in the abdomen, and with pregnancy can be prone to develop a hernia. The pressure and stretch in this thin area during pregnancy can cause the belly button to protrude forward as the tissues within the abdomen push through the weakened abdominal wall. For many the hernia which has opened up during pregnancy will close down and cease to be an issue, though for some the weak area will persist and the belly button can... more

You should show your gynecologist at your next visit or make an appointment with your doctor to figure out if it is a severe muscle seperation or a hernia.  If it is a muscle seperation, a plastic surgeon can repair it and if it is a hernia, a general surgeon can help you. see video

It sounds like you do have a small umbilical hernia, which is very common after pregnancy. While it is possible that you could go to a general surgeon and have insurance cover the repair, from what I have seen they often make a large incision that leaves a visible scar. A plastic surgeon would be more inclined to hide the scar under the hood of the umbi, but many don't accept insurance for it. It cuold probably be done under local anesthesia and shouldn't be very expensive... more