I spoke to my plastic surgeon's receptionist just before and she said that a tummy tuck is seen as a necessary medical procedure once you have a c/s and hence that is why the fee is reduced to $5k and the PHI covers the rest.

Called to DH and he said to find out the premiums. He gave me the go ahead. Now i need to find a PHI co. with reduced waiting periods. The receptionist gave me the item number for the procedure and to check it out the PHI before signing up.

Which PHIs are you guys with??