Usually a panniculectomy is ALL insurance will pay for, if anyting, (and that includes ONLY the skin below the belly button... it does nothing for extra skin ABOVE the belly button). Sometimes poeple are able to get a full tummy tuck covered as well, but that's usually only if there is a hernia that requires repair.
The arms, thighs, upper abdomen, etc. are almost never covered. (Several of us with lots of extra skin in the arm pits and rash and other issues (e.g., infection after nicking during shaving) have attempted to get at least PART of the brachioplasty covered with no success.
10 years out; 190 pounds lost, 165 pound loss maintained
You don't drown by falling in the water. You drown by staying there.