This is what i did.
Insurance (provincial insurance, as im in canada) paid for the panniculectumy and i paid for the difference to upgrade to an abdominoplaty (tummy tuck), which was basically the inclusion of muscle tightening and some lipo on the flanks, and, in my case, a bit of a mons lift i sweet-talked my surgeon into lol)
If I remember correctly, i had to pay $2K for the “upgrade”. But as mentioned im in Canada and this amount is in Canadian dollars so not sure how this would translate to your locale.
But as a verifiable PRO-plastics person, if you have the time and means to do it, DO IT! Its a game changer!
PS…if u are curious, go to the albums section in my profile you can see a progress pic collage that shows my before and after plastics (and the whole WLS process really). The bottom row is post-plastics.