Your doctor told you no one would touch you? As in they wouldn't romantically/sexually?
thats incredibly inappropriate, you should try contacting the BBB or another doctor in his office even...
as for the tummy-tuck there shouldn't be too much of a problem. There could be an issue if you had a c-section. The best thing to do is make an appointment with a plastic surgeon just for a consultation.
Also, insurance will not cover elective surgery, meaning surgery/procedures that you don't really need....