Sounds like you have adhesions (Scar tissue). No exercise or diet will get rid of scar tissue. Insurance is REALLY particular about tummy tucks now days. More likely they will pay to have your scar tissue removed but that is it...no abdominoplasty (tummy tuck). You would have to make up the difference financially if you wanted the tummy tuck.
I have this too, after 2 c-sections. No fun i know and the pains from adhesions is sharp...or mine is. Blue cross blue shield basically laughed when i broached this subject with them. They didnt even agree to remove my adhesions...they were too paranoid i wanted a free tummy tuck out of it. And i didnt even mention a tummy tuck...they did. So they were WAY paranoid and aprehensive...depends on how hard you want to fight them and how much effort your doc will put in. But in the end, they will just do adhesion removal...if that.
I may not be able to lose 100 pounds, but I can lose 10 pounds 10 times!