I just want you to know you are describing me as well. I am now forty, I have lost about 100 lbs. However, after doing so I was still embarrassed by my appearance, I was still hateful towards my body. I felt I lost all of this weight and I still want to hide my body? I still cringed when my husband reached to touch me because I now had excess skin. It was so bad I could tuck it under myself in bed.
When I walked the skin or apron around my waist flapped. I had to keep this apron area very clean, using powder daily, and admit I even applied antiperspirant to the area. I developed rashes in the summer months, zipped it into clothes..I was so depressed looking at it. The apron was the most disgusting thing I had. I still wasn't happy with the skin that hangs from under my arms, or the incredibly saggy breasts, but that apron of skin that was almost 10 lbs..killed me inside emotionally.
I went to several drs who said that yes that apron did cause back problems, yes I got skin infections, and yest it got in the way of my quality of life, but they and my insurance company told me that removal of it covered by insurance is dicey. I learned that if I had gone to a dr and got weight loss surgery, some insurances cover this, and then they will cover the removal of skin afterwards. I was devastated to learn this, I felt after two years of losing weight that I was slapped in the face. I lost this weight on my own and now I couldn't get my insurance to help me with something that was a medical condition.??
I made myself healthier by losing weight, getting off high blood pressure meds and meds for type two diabetes.
It isn't fair, and you are right as far as surgery. It is expensive. I had drs see me and tell me point blank that no amount of exercise would remove that apron of skin. It would have to come off surgically, nothing else would make it go away, no amount of exercise etc.
I know that there are a couple different procedures that are offered for people that have lost weight..a full body lift, a tummy tuck, and then there is also a surgery that will just remove the excess skin. I couldn't get my insurance to approve the surgery (any of them) no matter how many appeals and dr notes...I ended up having to pay to have my abdomen fixed. I didn't get all the skin removed, or fix everything on my body I wanted fixed. I couldn't afford it. I just dealt with the worst area. I still ended up paying a lot of money..money I only had due to a settlement I received from a car accident.
I don't understand why insurance can not pay for some of these surgeries. We are in the long run saving them money by taking care of ourselves. Yet, they will pay for other things. It makes no sense. I was told by the surgeon who did my surgery sometimes finding a dr who specializes in weight loss will give you a better chance at getting this surgery covered, skin removal. Wish I had better advice.