I met with a plastic surgeon.. and I really need to hear from people who've had a TT

I met with a surgeon because I need to have a hernia repair. Insurance will cover the TT, but only below the belly button, not above. Do most people only get the bottom part done or is it usually both, and if they only do below the belly button, doesn't it look funny? Please help! I'm really upset about this... I was crying like a baby in the surgeons office. Also, do plastic surgeons ever do payment plans as opposed to all up front?

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