What do I do next? I know I have 2 hernias.

I have an umbilical hernia and a hiatal hernia. Both need repair. I may need a tt a little later but don't know if it will be covered by insurance. I had right around 100lbs. to lose. I do have an apron. Even at a size 7 in high school I had a belly that kind of hung. What is my first step for insurance or does the doc. to it all?

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