....you have documented pain (neck, shoulders, back, spine) and or chaffing/hygiene problems. Get it documented now from your primary, rheumatologist, orthopedic, gastric surgeon, etc.
Mine was paid in full just 3 weeks ago because of the well-documented pain and existing co-morbidities that the extra weight and poor posture was affecting (osteoarthritis, psoriatric arthritis, fibromyalgia).
Do the same with tummy tuck and thigh issues....skin rashes, chaffing, blistering, hygiene. The better documented the better the chance of having insurance pay for it as necessary and not cosmetic.
KM