Hi Dovie, My experience with the ins co was that they needed TWO different approvals and it was a good thing that I called. I had gotten the letter from one dept, but that wouldn't have been enough. I called to find out what the letter meant, and found out that I was approved only for prescriptions, not for the surgery. I had to call another dept, and they took a long time to get their act together. I still don't have the letter in my hand with the approval, and my surgery is next Monday. I have the approval number, and my hospital and my surgeon have the approval letters, but my letter was sent to the wrong address. I only found this out last week, when I called (AGAIN!), and the lady said "Your letter was mailed out in January". Well, I never got it, and come to find out, they sent it to Single Oak ROAD and I live on Single Oak DRIVE. So, yeah, it pays to call. Just be patient and polite, and ask them to please explain everything they say, and to please send it to you in writing. Best of luck on your journey! I enjoy your posts very much. Hugs, Pat