My advice to you is this....Don't ask about a tummy tuck because no insurance will cover it. Ask if your insurance will cover a Panniculectomy (the insurance version of a TT). Now have your primary card doctor document your problems with your excess skin. Do you have fungal infections within your excess skin, back problems, or other issues? Essentially, you need your Panniculectomy to be a medical necessity. If it truly is needed, there's hope for you.These procedures are hard to get covered for many reasons. Insurance companies need documentation which will mean your doctor will have to take pictures, do a pear-to-pear review, and you need one of the few plastic surgeons that accepts your insurance. Also your insurance needs to have a benefit for it.As you can see.... it's not easy but not impossible either. Even if your insurance covers it, it might not cover all of the expenses so just be prepared for this. Call you insurance company and ask for a list of plastic surgeons in network with your insurance that are in your area. This is an important step to get you started. I wish you luck!