Is there a surgery for this? My under belly burns when I wash it & I have to wipe under regularly. I shower twice daily (Photo)

Dear maryjaneflowers,
Thanks for your question and pictures.
Sounds like you have some issues that may qualify for a panniculectomy, i.e removal of excess skin and fat below the belly button. Have your primary care physician document your medical issues, recommend therapy, and document continued issues despite compliance with therapy. This will likely increase your chances that insurance will cover your panniculectomy.
Seek out a board certified plastic surgeon who can perform a complete history and physical exam and make a sound plan for you.
Best to you going forward.