US says hernia, surgeon says no

1. Agree that 2 inches below the belly button is not where hernias naturally occur. Did you have any incision in that place? That is the only way that you can get a hernia there.
2. The ultrasound, if positive (i.e., shows a hernia), is usually correct. However, visually, it is hard to grasp by most physicians. CT scan is much more intuitive and a better roadmap for most surgeons.

Since the clinical situation doesn’t make anatomical sense, I agree that a CT may be helpful. I wonder if you have a wide diastasis recti and this is what is bulging at times.