Insurance coverage even if I have never had a rash???

Hey, everyone. I have just started up here post-bypass. I did alot of research prior to my surgery June 26, 2002, but then did not really visit much afterward. Now I am starting to think about reconstructive surgery and stumbled onto a post from here, and it was like, "OH, yeah!!!" Anyway, I have lost 130 pounds off my 5'7" frame. I do not have a lot of hanging skin in any one place; I have a little hanging skin all over the place...back, stomach, butt, thighs (especially thighs), and we do not even want to talk about my chest...LOL. I think what I really need is a belt lipectomy and breast life; however, I have never had a rash or a hernia or anything that would make getting insurance coverage of reconstructive surgery easier. Does anyone have any ideas on what else might make it considered medically necessary? My shoulders ache from having to wear sports bras (my breasts fall out of even tight fitting regular and underwire bras) and I have mild lower back pain. However, I had lower back pain prior to surgery, too, so I don't know if that would count. Do inconviences such as (don't laugh) pinching yourself with the toilet seat or having to move your flabby thighs out of the way before sitting on the toilet count? I never thought I would get to the point of even considering more surgery, but now I am...and I definitely do not have the money to pay cash for it. Does anyone have any suggestions?