Thank you for your question. An abdominoplasty is not a procedure that is ever considered medically necessary and therefore not covered by insurance. A panniculectomy is a procedure performed for medical reasons and often covered by insurance. A panniculectomy serves to eliminate the excess overhanging skin on the lower portion of the abdomen in order to help treat problems such as recurrent skin infections and sores within the skin fold, lower back pain, inability to fit properly into clothing, and difficulty with daily hygiene. I recommend consulting with a board certified plastic surgeon to determine if either one of these procedure are indicated.