If Ins wants to pay for (example) RNY and I want a DS, am I stuck??

If my insurance considers a DS to still be "experimental" and I don't think I want the RNY, is there any reason the surgeon can't do the DS anyway and submit to insurance with fees for the RNY (which I understand are higher anyway - so it's not like he won't receive his fee)? I don't mean to sound unethical here, but. . . I don't want to come all this way only to be stopped by some Dr miles away sitting in an insurance office telling me what I can do with my own intestines! LOL!! Any ideas?? Thanks in advance!

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