kroger insurance

 has any of you had surgery and have anthem bc/bs through kroger ufcw local 400. i had to switch insurace from my camc insurance to my hubbys kroger insurance. All i know is that i have to have 2 letters of opinion and a 2nd opinion which isnt a issue. but since i know kroger insurance is picky. they would barelly pay the rest of my open heart surgery cost. it makes me wonder. im currently in my 5 th month of my medical supervised weight loss program