If the scar is painful or bothersome, insurance will sometimes cover that. But a full TT? That is always cosmetic and never covered by insurance.
Thank you for your question. Insurance companies typically view excision of excess skin as not medically necessary. Therefore, it is not a covered procedure. Please see a board certified plastic surgeon for an in-person examination. Your surgeon could potentially contact your insurance company if you have documented rashes or fungal infections secondary to your skin excess. Hope this helps!
Whether or not your surgery would be covered is entirely up to your insurance company. Typically, from the way you describe your situation, it would not be covered. Your insurance company "doesn't care" if you have excess skin. Have your plastic surgeon write a letter to your insurance carrier and ask for "prior approval." Once again, even prior approval from an insurance company does not guarantee payment, but it is a step in the right direction. Good luck.