Insurance coverage for this is a very compicated issue. Insurance will cover a hernia repair. Sometimes, insurance will also cover the removal of excess skin at the same time because the argument can be made that the apron of skin must be removed in order to allow the surgeon to repair the hernia......However, this is a panniculectomy, not an abdominoplasty.
A panniculectomy is removal of the excess skin, or "pannus", than hangs.
An abdominoplasty is removal of the excess skin, repair of muscles, and replacement of the belly button.
So, insurance should pay for the hernia repair and the time in the operating room to do this (about 1 hour). They might pay for a panniculectomy(reconstructive), but will not pay for an abdominoplasty (cosmetic). Because of the hernia repair, insurance shuold also pay for an overnight stay in the hospital.
Check with your insurance carrier about the specifics. Also check with your surgeon and do not be surprised if you have to pay some out of pocket. Oftentimes, the surgeon does not know if the insurance will pay for the procedure until after it is done. A pre-authorization is not a promise to pay, and insurance companies can "change their mind".
I told you it can be comlicated...