Hello and thank-you for your question and photo.A tummy-tuck (abdominoplasty) is considered a cosmetic procedure which is generally not covered by health insurance. This procedure removes excess skin and fat, lifts the pubic area, tightens the muscles, and reshapes the umbilicus (belly button). If you have had a large weight loss and have excess skin which hangs past your pubic area (pannus), health insurance may pay for a portion of the procedure to remove it (panniculectomy). This may lessen some of the cost of the abdominoplasty, but is frequently difficult to have approved by insurance carriers. I would recommend a consultation with a Board Certified Plastic Surgeon. I wish you the best of luck, Andrew Lyos MD, FACS. Tweet