PS Dr. said I won't get anything covered. Should I try anyway?

My PS Dr. said that I don't have enough skin to qualify for Aetna PPO to pay for a TT or a Breastlift. He said they will take one look at my pictures and deny me. The thing is, I see people who have about the same or less skin than me get approval by Aetna. Should I tell him I want to try anyway and see what happens? Should I take his word for it? I really like him and have seen his work on alot of people I know. The charge for the TT, breastlift and arms is $18,630.00 including hospital costs, etc. My Dh wants me to have it done but the money is scaring him and he wants me to wait. Of course, I don't want to.

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