I was just wondering if United Health Care insurance would pay for a Panniculectomy. (photo)

Very rarely. They require proof of intractable rashes, treated with IV antibiotics for a full year in addition to fulfilling many other criteria, including a weight loss of over 100 pounds. They do not want to pay for anything cosmetic.

You need to schedule an appointment with a board certified plastic surgeon to discuss your options. Documentation will have to be submitted to your insurance company. Approval of payment of the operation has various components such as what your plan is.

Every insurance company has criteria that determines whether a procedure meets medical necessity.  A consultation with a board-certified plastic surgeon can help determine if you are an appropriate candidate for a panniculectomy, and your particular insurance policy may not have that as a covered benefit.  Best wishes.