my ins. says I dont need prior approval?

I have bcbs fl they pre approved me but for Aug.1,2003 but my husbands insurance is done on that day and they may renew with other company they approved me for 8/01/03 b/c of pre existing claus they say they know I dont have a pre existing condition but they just dont prior approve any surgeries until you are covered for 12 months w/ouy proir insurance but they told me I CAN HAVE surgery prior to 8/1/03 my doctor has to submit claim after surgery and as long as I have it covered under my plan and I dont have a pre existing condition they will cover it,and I cannot appeal thier decision on the prior approval because they say I have to have a claim first I want to go ahead and do the surgey in July before my insurance changes 8/01/03 did anyone have the same happen to them and did you have any problems afterwards?

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