Your insurance may cover both a cochlear implant and BAHA, but that doesn't mean those procedures are suitable for your hearing loss. It seems the doctor told you stapes surgery is the procedure which would address your situation. A cochlear implant is not going to help a stapes problem.
Placing a cochlear implant is a surgical procedure too, you know.
I really think you should take pains to understand what the doctor is recommending and what the procedure entails. It won't hurt you to know the facts. Could a friend or family member go with you to the next appointment to take notes and make sure he has explained everything? It frustrates me no end when I go to someone about my hearing and I can't hear all they say. It's also hard for me to take in all they're saying when I'm nervous about what what they're saying. Taking someone with you may help you get more out of the appointment.
Are you saying you want to have a severe hearing problem? If that's what you want, you've already achieved your goal.
Freq: Right Left
250 40 60
500 50 65
1000 50 60
2000 45 45
4000 65 70
Right: SRT=50 dB, WRS 92% at 70 dB
Left: SRT=60 dB, WRS 80% at 80 dB
Had stapedotomy on left ear in May, 2015. Prior to that had a severe/profound loss across all frequencies in my left ear.