17 Years Old Bellybutton Piercing Gone Wrong - Phoenix, AZ

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When I was 14 I pierced my bellybutton with out...

When I was 14 I pierced my bellybutton with out permission, with a sewing needle. I soaked it regularly put A&D ointment On it ect. Whenever my mother called me into the room id take it out and put it back In when I returned. One day I lost the original piercing and put In a decorative one (one you are suppose to put In after the hole heals) it dangled. So after awhile I realized my bellybutton had started to sag it wasnt severe at the time so I ignored it. After I took it out for good, due to it not healIng completely, the sagging was still there. 3 years later it still hangs its hard and uncomfortable. Its also very annoying to shave around it????. I started researching surgery costs but since it seemed like this doesnt happen often I found nothing. I asked my grandmother about insurance and she said they most likely wouldnt help pay for it because of the fact it was self inflicted. Is this true? I decided to get it removed surgically In a few months when I hit 18. How much will it cost approx. To get it removed? And can they completely numb the area? Or put me to sleep?
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