How Long
I called my Ins. Co. after I was told by my surgeons office it would be about two or three weeks. The second week I called them and they told me I should have an answer on Fri. I called Fri. and they told me to call Mon. I called today and they said I was approved (yippee after the second try) and I should get something in the mail in day or two. So to answer your question,,,,,,,,,yes call them, they can give you some idea without you going crazy.
The best to you,
Colleen