Dear Patricia, Thank you for your question. In general, CoolSculpting (with the latest version of the machines, latest applicator versions and latest protocols) is very safe and very effective. Under normal body conditions with normal, intact abdominal walls, CoolSculpt does not affect any internal organs. CoolSculpt should not be performed in the presence of hernias, since as you know, a hernia means a defect in the abdominal wall, allowing the intestines to be very close to the surface and /or protrude, thus putting them in a position where they could be inadvertently accepted into the CoolSculpt Applicator and thus the intestines would be inadvertently treated - NOT a good scenario ! In patients with intact abdominal musculature, we have seen life changing results in our practice with the latest versions of the CoolSculpting Machines and they routinely come back to treat new areas since they are so happy with the results in their original area. Insurance does not cover CoolSculpting regardless of the level of obesity. Hope this helps ! Best Wishes, Dr. Anna Petropoulos Board Certified Facial Plastic Surgeon North Shore Boston