Dr. Ellner or Dr. Welker & Aetna POS Insurance Cost/Pmts

Hello... I've been calling for days to try and get some answers about what I should expect the insurance company to pay. I am on the Aetna US Healthcare, Managed Choice POS plan in Oregon. I have a referral from my PCP to consult and have the surgery with Dr. Julie Ellner in San Diego. I even have a date. I'm also considering Dr. Welker in Eugene, OR. The insurance company even approved it, but when I ask what one will charge and the other will pay, I get the full range of answers -- and no one will provide anything in writing. To top it off, I'm currently collecting unemployment paying the COBRA fees, so I can't really afford a big out-of-pocket expense right now. Can anyone help me understand what the total cost (Surgeon, Hospital, Anesthesiologist, etc, etc.) will cost with Dr. Ellner at Alvarado (or Dr. Welker) and what Aetna USHC/POS will pay. Thanks for any help you could provide. Regards, Miguel

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