A reverse tummy tuck is usually designed for loose skin mainly in the upper abdomen, with the incision hidden along the lower breast fold. It is not typically the best operation for a large lower abdominal pannus or for the vertical and horizontal skin excess often seen after massive weight loss. In your photos, there appears to be significant lower abdominal overhang with loose skin extending centrally and upward. That pattern is more commonly treated with a panniculectomy, extended tummy tuck, fleur-de-lis tummy tuck, lower body lift, or some combination depending on your exam and goals. A fleur-de-lis approach can be helpful after major weight loss when there is both up-and-down looseness and side-to-side looseness, because the vertical incision allows the surgeon to narrow the waist/central abdomen in a way a standard horizontal incision cannot. The tradeoff is the visible vertical scar. It is important to separate an insurance-approved panniculectomy from a cosmetic tummy tuck. A panniculectomy generally removes the hanging apron of skin to improve hygiene, rashes, or functional problems. It may not include muscle repair, belly button reshaping, waist contouring, liposuction, upper abdominal tightening, or the amount of contour improvement many patients expect from a full abdominoplasty or fleur-de-lis tummy tuck. At 5'4" and 185 lbs after a 250+ lb weight loss, you should also ask about surgical safety, nutrition labs, protein status, anemia, vitamin levels, and whether your weight has been stable. Massive weight-loss patients can have a higher risk of wound healing problems, fluid collections, and delayed healing, so planning the right operation in stages may be safer than trying to do too much at once. I would recommend consulting a plastic surgeon experienced with body contouring after bariatric weight loss. Bring the insurance approval and ask specifically: what tissue will be removed, whether the belly button will be transposed, whether muscle repair is planned, whether a fleur-de-lis or lower body lift would give a better contour, and what portion would be insurance-covered versus cosmetic.