Thank you for your questions. And congratulaytions on your weight loss! These are very important things to understand about how this process works. Let me try to clarify some things for you. Insurance never pays for abdominoplasty. What they will occasionally pay for is a panniculectomy. It is important to discern this difference because insurance companies will only cover what they consider to be medically necessary. If a patient has excess skin that hangs down over their pubis and causes medical problems such as rashes, wounds, infections,etc that have required documented medical treatment, then they will sometimes cover the procedure. This procedure only involves removal of the skin that is causing the medical problem, that is, the skin that is hanging past the "waistline" crease. That's it. An abdominoplasty on the other hand involves contouring the entire abdomen, relocating and maintaining the umbilicus, and tightening the abdominal muscles internally.....and all these things are considered cosmetic in nature. So, the short answer is that if you get a "panniculectomy" approved by the insurance, then yes, after all your co-payments and deductibles, it will cover the hospital costs and anesthesia costs. But, do not go online and look at pictures of true abdominoplasties and think that this is what you are getting, because it will not be. If, on the other hand, you do want a full abdominoplasty, additional liposuction, breast lift, or any other cosmetic procedure at the same time, it may be possible to coordinate those along with your insurance procedure, but this will come at an additional cost to you for the surgeon, hospital, anesthesia, etc. You would have to negotiate that cost prior to surgery.I would suggest that you seek a consultation with a board certified plastic surgeon so that you can discuss your case in particular and better understand the differences in the procedures and which one might be right for you and why. In addition, it will help to outline your goals and expectations. When you schedule your visit, you might want to ask them upfront if they are willing to do panniculectomies for insurance, becuase there are many plastics surgeons who are not willing to do this type of work for insurance becaue the reimbursement rates are exceedingly low. Best of luck to you!