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My insurance will cover a panniculectomy, is it possible to have abdominoplasty done at the same time and pay the difference?

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I have consulted with a surgeon in the lancaster,Pa area.If my insurance will cover the penniculectomy is there away to have a Abdominoplasty done at the same time and have the insurance still cover the penniculectomy part? My surgeon is telling me it has to be two separate surgeries because once the insurance sees the Abdominoplasty codes they won't cover anything because this is cosmetic. I understand I will have to cover the cosmetic part myself.Is this something I have to ask the insurance?

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