The procedure you're discussing is commonly referred to as a panniculectomy. Criteria for approval of this procedure is commonly based not on weight, but the degree of hanging skin (see link below) and current symptoms related to the hanging pannus as well as treatments that have been tried before considering surgery. Insurance companies are notoriously reluctant to grant approval for the procedure, except in post-bariatric surgery patients with significant weight loss.
Thank you for the question.The procedure you are referring to as apron removal is known as a panniculectomy. If you are considering this as an insured procedure, you will need to know or document the following:1. Verify that panniculectomy is a covered benifit under your plan.2. If you have experienced weight loss as a result of surgery, then you need to have lost 50% of your excess weight and been stable at that weight for 6-12 months.3. The excess skin must be causing medical problems (rashes etc) which have not responded to medicines.4. The pannus must be a grade 3 or 4 (hangs below the pelvis).5. There is no weight requirement except that it is advisable to be as close to your goal weight as possible before considering surgery as this will yield the best long term results.I hope this answer helps.