NO pre- authorization needed, EVER HEAR OF THAT???

I see lots of questions about insurance but my doctor does not take my Blue Cross Blue Shield PPO so I pay up front but the doctor's assistant said the company usually covers most of it. And she said the hospital is in my plan. I doubted this so she gave me the code for surgery and the codes for the co-morbids. I called the insurance company and gave the rep my id #s plus all the codes. Then the rep came back on the line and said it is a covered benefit if medically required because of a BMI of 40 (MO) and a co-morbid. She said that is an approved hospital so I don't have to have a pre approval to go to that hospital. I did not want to talk them out of it and start an arguement so I said thank you. AM I MISSING SOMETHING???

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