Do They Have to Remove Your Belly Button for Insurance to Cover a Panniculectomy? (photo)

Years ago after loosing all my weight, my weight loss doc came to me about having the panniculectomy. He informed me & my husband that insurance would not cover it if I wanted to keep my bellybutton. For it to be cut around & repositioned would be considered plastic surgery & it would not be covered.I believed him & aloud him to do the surgery. But with all the info I have gotten since then, I think he lied to me to get the surgery money.I cry all the time & hate the way I look,BUTCHERED. = (