Should I have normal removal of basil cell on my chest or have mohs surgery?

Mohs surgery may be warranted for a basal cell carcinoma on chest, if it shows aggressive histology under microscope, is large than 2 cm (3/4"), or has been previously treated. Under these circumstances the insurance is likely to cover Mohs surgery. You may want to discuss this with your dermatologist and/or Mohs surgeon.

Your dermatologist is correct.   Mohs surgery is normally performed on the face.  However, if you were very satisfied with the Mohs surgeon, your dermatologist can certainly refer you back to him or her. 

Mohs is usually reserved for sites that have little skin tissue to spare. Most areas of the body do not require this. There is a lot of give in the chest and a lot of tissue there, so there is rarely a call for Mohs. Mohs will almost never be covered by insurance when it's on the body unless the cancer is recurrent. So if you'd like to have Mohs, most likely you will need to pay cash as the insurance will deem it unnecessary. "This answer has been solicited without seeing this patient and cannot
be held as true medical advice, but only opinion. Seek in-person
treatment with a trained medical professional for appropriate care."