HAS ANY ONE HAD TO PAY EXTRA FEE'S WITH CIGNA HMO?

hI I HAVE A WORRY THAT I WILL BE CHARGED EXTRA FEE'S THAT INSURANCE WON'T COVER. I READ THE BOOKLET IT LOOKS LIKE IT COVERS 100% SURGERY FEE'S AND HOSPITAL STAY BUT NO PRIVATE ROOM. THAT DOES NOT BOTHER ME. SO I HAVE cigna HMO AND AM GOING TO BE HAVING SURGERY AT STANDFORD MEDICAL CENTER. I DON'T UNDERSTAND WHY SO MANY PEOPLE TALK ABOUT OUT OF POCKET FEE'S?

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