Aetna Insurance and Abdominoplasty/Panniculectomy approval with hernia!

I have Aetna PPO insurance. I have a hernia and am wanting an abdominoplasty/panniculectomy. I also need a breast reduction. I have referral letters from my OB/GYN and my Chiropractor for my breast reduction. I THOUGHT that since I have a hernia, that the insurance would pay for the Tummy Tuck, but my Plastic Surgeon's office doesn't think they will. They say that the insurance company will only pay for the portion that has to do with the hernia repair. They also say that it needs to be referred to as a panniculectomy instead of an abdominoplasty so it would have a better chance of being covered. And the hernia repair is done by a separate doctor at the same time the TT is being done. Does anyone out there have any experience with this kind of situation? I'm wondering what I need to do to get Aetna to pay for the TT as well! Please help me if you can!

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