Belly apron: surgery?

The more weight I lose, the bigger the belly apron of lose skin I have gets. Is it actually possible to tighten up all that skin through exercise? If so how? If not, I can’t afford surgery to remove if unless somehow it can be covered. I live in Canada. Does anyone know how much weight someone has to have lost for it to be s procedure covered by health care? I do have issues with chaffing already and rashes due to heat, etc. I’ve only lost 40 lbs, but I’ve had 4 babies and the skin is really loose and stretched out.

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