The short answer is that a TummyTuck is going to give you a better outcome than a simple Panniculectomy. First of all, a Panniculectomy is not a cosmetic procedure, but one that would be approved by insurance, but it does not appear that you would qualify. Most insurances (can vary state to state) require substantial documentation regarding skin fold issues, rashes and yeast, and that those issues have been being monitored and treated by a physician for a period of time. They also require that the abdominal skin hang below the pubis for it to be considered a medical necessity. From your photos, it does not appear the skin hangs down far enough for most insurances to agree that this was obstructing your daily life and therefore would be a medical necessity. The other reason that a TummyTuck would be better in your circumstance, is that the cosmetic portions of that procedure will ensure you have an outcome that is aesthetically pleasing. By this I mean that most Plastic Surgeons would include correction of the belly button, additional liposuction of the upper/lower/flank abdomen so that the transition between skin is smooth, and they would excise skin more laterally than a typical Panniculectomy addresses (this helps to ensure you do not have excess "muffin top" around the backside). Make a consultation appointment with a local Board Certified Plastic Surgeon to show you in person the difference between a Panniculectomy and a Tummy Tuck or Abdominoplasty.