What are you thoughts on Subcutaneous Mastectomy

my surgeon has suggested I may be a good candidate for a prophylactic bi-lateral mastectomy.
I have dense fibrocystic breasts and have had 3 biopsies already; all my mammograms come back suspicious.
he tells me that there is no surgery to save my nipple and areola with a mastectomy.
I am reading on-line that subcutaneous mastectomies have a great success rate (95%) cancer prevention for women in my situation.
Is this surgery new or unique?
Is it more risky?
Why would this not be an option from my HMO?
thnx,
brendastarr