My insurance covers a Panniculectomy but the cost of adding a TT to it is $6000 and I can't afford it. With my deductible it comes to almost the cost of a TT without insurance. I am 39 and have no plans on being in bikini contests, I am doing this because I want a normal looking stomach. That being said, will I get that with a Panniculectomy? Honestly it would be 20 years before I could afford the TT with 4 kids going in to college soon. I have lost 130 pounds recently.