A TT is considered a cosmetic procedure which is not covered by insurance. If deemed medically necessary, in some cases, health insurance will cover a panniculectomy. Both the TT and the panniculectomy target the abdominal region of the body. However, a TT removes excess fat and skin and tightens the abdominal muscles, whereas a panniculectomy targets the area of excess tissue located underneath the belly button. A hanging pannus can cause difficulties with back pain and hygiene, making day-to-day tasks difficult as it hangs in the way.Recommend that you select your plastic surgeon by credentials, before and after pictures, reviews, accreditation of facility, board certification of surgeon, ease of contact and treatment particularly after surgery, etc.Kenneth Hughes, MD, Board Certified Plastic SurgeonLos Angeles, CA