How long should I wait to get a refferral when I just got my insuracne?

TO GET A REFERRAL AND MAKE AN APPOINTMENT WITH A SURGEON. WILL I BE DENIED SURGERY BECAUSE I HAVEN'T PAID ENOUGH INTO THE INSURANCE? I HAVE BEEN WITH OXFORD SINCE MARCH 1,2001. I DON'T BELIEVE THERE IS AN EXCLUSION ON WLS WITH THIS POLICY,AS I HAVE READ SOME PEOPLE ON THIS SITE HAS THIS INSURANCE AND HAVE HAD SURGERY.I JUST DON'T WANT TO MESS UP MY CHANCES ON APPROVAL BECAUSE OF THIS. ANY INFO ABOUT THIS OR OXFORD INSURANCE IN GENERAL WOULD BE GREATLY APPRECIATED. THANK YOU, DAWN HULL

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