Is Sagamore a good insurance ?

I have Sagamore plus with nyhart as a go between. Has anyone had problems with them and do you have to have a referral? I live in Indianapolis and my PCP is thru St. Francis. i just got this insurance and have not yet recieved any paperwork as to what the benefits are. Any help would be so very much appeciated. I desperately want to get RNY/LAP surgery.

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