Good luck with the next consultation! I hear ya when it comes to stretch marks up around the navel/waist area! With a TT, you'd lose a lot of the stretch marks, and the ones you have left will probably be lower, so a good surgeon can explain that to you, even during consultation. As for the hernia, yes, insurance should cover that part of the surgery, and since it would also include the hospital and anesthesia for the hernia, you may find that your only expense is the PS's fee. Now wouldn't that be a bonus?! LOL
And, regarding quitting smoking, yes, you do have to stop. They tell you to stop for any cosmetic surgery, usually two weeks before and after. However, with a TT, since a TT is more major surgery than many others, they will probably tell you to stop at least one month prior through one month after. (I've heard of some surgeons saying to stop a YEAR before a TT, although I think that's a little extreme, personally.) You really have to adhere to that, too...since the surgery is so invasive, and the scars so large, there is too great a chance of having skin literally die from the effects of smoking, instead of healing the way you should. It's not a pretty picture...I saw someone's pictures of it a year or so ago, and the incisions all turned black from too little oxygen, skin rotted, etc. There was more major surgery just to try to "fix" the damage that was caused from smoking, not from the actual TT. Not to scare you, exactly, just to make you realize the importance of quitting well before this particular surgery! Trust me, I know from experience it isn't easy, but you really do have to do your best to do it if you plan to have this surgery. GOOD LUCK!