Is it better to wait for an abdominoplasty or go ahead with panni?

I'm scheduled for plastic surgery on Dec. 4. I was certain the doctor and I discussed an abdominoplasty. In fact, he talked about using my existing incision (from my open RNY). Today I met with him to ask a few lingering questions. Turns out he only submitted for a panni with possible hernia repair. He said that no insurance co. will cover an abdominoplasty and that his previous comments represented his recommendation, not what he expected ins. to cover. He then read my preapproval letter from my ins. company and just went off on the hassles of dealing with ins. companies. In fact, he said that he's so uncomfortable with their approval that it will have to be worked out before I go into surgery. He seems to be in the same boat as other docs who are reconsidering the complexity of dealing with ins. for plastic surgery related support following WLS. I'm concerned because I see on this site that others have been approved for the abdominoplasty, but since I do have approval, at least for the panni, I'm wondering if I should just go for it and handle any add'l work that needs to be done on my own. I'm terrified of taking on the liability of expenses that go beyond what my ins. will cover. What if I have complications? Don't know what to do. Advice?

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