Opinions wanted - Plastic Surgery questions

Help please! I have had consults with a Plastic Surgeon. I need the works.... tt, arms, lbl, and new boobs. (Could use a face lift too lol) My insurance approved a complete tt, paniculectomy and abdominoplasty. All yhey asked for was a letter from another doctor agreeing with the PS. The surgeon says there is no use submitting for my arms as they will not pay. Well, he did convince me, but then in the back of my mind I know that for sure they won't if I don't ask! Time-wise he says he could combine the two, arms and tt, and gave me an estimate of just under $5000 for the arms. Should I go ahead and do it? I can't afford it and hate to pay it, but I really need the work done. I am burning up in these long sleeves! Or, should I just let him do my tt and see how that goes? I am 5'4" and have gone from 297 to 122 and I'm almost 2 years out (5/30/2002) Thank you all so much... I don't post a lot but I have learned everything I know on here!

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