If you are interested in Dr. McGinn doing the surgery, just call or e-mail her office on the details of what to do about the insurance. They will take it or they won't, but I am mostly sure they will. I am a Bowers girl and I know that her office is experienced with all sorts of insurance haggling, and Dr. McGinn's staff are no less competent. Call and let them deal with the headaches of them getting paid.
For recovery, the first two weeks will be the worst, and while I had no restrictions on my physical exercise, I was just too darn tired to do much for several weeks. You will not be comfortable sitting much until your major exterior sutures dissolve at 5 to 6 weeks, so school could be a problem. Your time will be taken up with dilation quite a bit the first 60 to 90 days, so a full, normal schedule will be rough, but some people have done it quite well.
As one of those from the old "hope for the best, prepare for the worst, and take what you damn well get" school of planning, I would say that if school is involved, make it an online course or three that you can do at your own pace, and maybe just sit for a single test at school if you can do it.
At this time last year I was like a chicken with its head off getting ready for my surgery last January, so I would also recommend having a month or six weeks before surgery with your deck clear of life or death issues too.