I am so confused... I went PS for consult on TT. I did not know anything about the panni. He asked about any issues I may have and I do, but never thought about insurance. He said sometimes they will cover that part. So, I thought that would lower the overall cost. It was approved. The PS did a peer to peer with the insurance company. I am so grateful. He went out of his way. But, today I got a call from his office and the gal said they are separate procedures and that the insurance will only cover the panni. I understand that, but she said the cost is the same. How is that if with the TT they take off the lower skin as well and the price I was quoted was for the TT, which is more expensive. So, now that they went that way, will I pay more out of pocket because I still have a deductible to meet. So very confused! Thanks for any advice.