Are there any plastic surgeons in houston tx that will work with your insurance or cigna insurance ?

I had gastric byp 4 1/2 years ago , i was 390lbs, i have maintained my weight at 215 , i lost 160 lbs and have excess skin on my abdomin, my well, they really sag , so do my legs and my arms omg,, batwings, i suffer from severe lower back pain and desperately need reconstructive surgery,,i have been to several different plastic surgeons they say that they work w/ ins. but then when i go in for an appointment that's when the say, oh we don't submit for approval with insurance, we take cash or finance, well i don't have cash ( times are tight and have been one thing after another) and finance, yeah at twenty something percent ,, ummmm no way, it's like a car payment and i need a new car. I really need some help