Also, my PCP told me she submits to insurance prior to getting the approval to see the surgeon. She did tell me I would be referred to Loyola for the surgeon and I have done some research and would like to use Dr. Chand as a previous poster said, but I haven't been to any of his seminars yet because I have no idea if I will get approved! BCBS told me it is a covered benefit as long as I have a referral from my PCP. I'm very nervous and want to get the process going!