Pain in Lower Abdomen From Excess Skin, Any Chances Insurance Will Pay for Tummy Tuck ?

In general, insurance companies do not cover tummy tucks but they may cover removal on excess skin and fat on the lower abdomen.  This procedure is known as a pannuculectomy.  A tummy tuck normally includes removing excess skin and fat, tightening the abdominal muscles and repositioning the skin around the belly button.  As the muscle tightening and moving the skin around the umbilicus have not been shown to relieve any physical symptoms, they are not generally covered by insurance.  The removal of excess skin and fat has been shown to relieve physical symptoms, particularly pain and irritation due to rashes under the fold of skin and, therefore, may be considered medically necessary. 

If you get insurance approval for a panniculectomy, you can still have a tummy tuck at the same time and your out of pocket cost should be less as insurance is covering a portion of the surgery, anesthesia and facility.

Congratulations on losing all that weight! It would be nice if insurance companies would cover the cost of a tummy tuck, especially in your case, because of the symptoms you have, however, most insurance companies will not cover the cost of an abdominoplasty regardless of your symptoms. You can always ask them and try to get it preauthorized, but it is unlikely.