HOW CAN I GET INSURANCE TO PAY?

I HAVE BCBS FEDERAL (NEBRASKA)AND THEY WILL NOT PRE APPROVE FOR TUMMY TUCK AND LIPOSUCTION.I CAN NOT PAY IF THEY DON'T. HOW CAN I GET THEM TO APPROVE BEFOR THE SURGERY. I DON'T HAVE ANY MEDICAL PROMBLES BUT SKIN FLAP.PLEASE HELP.

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