Yet another plastic surgery question on TT and implants

OK, I've been looking through the library questions, but I need to ask a fresh question. I am 16 months post and 3 pounds below goal. I was pregnant in between so I haven't noticed the bad skin problems until recently. My boobs have deflated and the extra skin on my tummy is so nasty. But, the extra skin doesn't cause rashes or anything so I'm afraid insurance won't pay. What is the best way to get started? Talk to Aetna about coverage? Schedule some surgical consults first? Do plastic surgeons usually do both procedures or usually specialize in each? Thanks so much!

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