Will Insurace Cover Tummy Tuck to Fix Painful Rashes?

In most cases, insurance will not cover a tummy tuck or abdominoplasty. This is the medical terminology for a cosmetic procedure. However, in some cases, insurance companies will cover a panniculectomy, which is similar to a tummy tuck but is done for medical reasons. In most cases, the reasons are massive weight loss, chronic sores, etc. This procedure typically just involves removing the excess skin, but does not involve tightening the muscles.

In rare circumstances, including a documented history of rashes and wounds, an insurance company may cover a procedure called a panniculectomy. This is a wedge excision of overhanging skin. It's important to realize that this is a functional operation, not a cosmetic one, and the results are not comparable to a tummy. In a tummy tuck, the skin is removed and the muscle is tightened to try to obtain a flat, pleasing contour of the abdominal wall. In a panniculectomy, extra skin and fat is wedged off; nothing else.
Not all insurance companies cover this procedure - some have specific exclusion criteria. It's best to contact your insurance carrier to see if this is a covered benefit. If it is, start with your primary care physician to see if conservative management is effective in healing your wounds and cuts. If it is not, then your insurance carrier may consider paying for a panniculectomy. Again, though, do not expect results that are comparable to a tummy tuck.
Best of luck.