You have an abdominal pannus, which is the term that describes hanging skin and fat. The hard area you're describing is likely an area of inflammation and scar from recurrent infections that is called panniculitis, though only an examination by your doctor could confirm that diagnosis and make sure it's not caused by other issues such as a hernia. The surgery to remove the hanging skin and fat of the lower abdomen is called a panniculectomy. This is a procedure that's performed to remove the excess tissue of the lower abdomen and eliminate the skin folds that are causing moisture-related problems and infections. Despite the fact that they have similar scars, it is not the same thing as a tummy tuck (abdominoplasty) and is not performed to improve the appearance of the abdomen. An abdominoplasty is a much more extensive procedure that works on the upper and lower abdomen, repositions the belly button, and tightens the abdominal muscles, if necessary. Because an abdominoplasty is performed to improve the appearance of the abdomen, it is cosmetic surgery.Because a panniculectomy is performed to treat medical problems, it is often covered by insurance but typically requires documentation in your medical records that there are complications (rashes, infections, wounds) related to the hanging skin and fat. I suggest talking with your primary care physician about the infection/hard area, make sure that the treatment you're receiving is documented in your medical records, and then ask for a referral to a plastic surgeon for a panniculectomy evaluation.Best wishes.