I'm having a tummy tuck on Jan 24, I was 275 with my last pregnancy and am now 147. My plastic surgeon said there was a 99% chance my insurance would not cover it because I have had no rashes, etc. and my skin wasn't excessive enough on it's own (though it is pretty significant). Thankfully my plastic surgeon submits all claims to insurance for pre-auth "just in case" they will cover it... And they approved it! Well they'll pay for a panniculectomy (sp?) and I'm paying the difference for the full TT, I can't wait!!!