Hi...I think the delay was due solely to the office staff. There was one form missing that was actually just surgical clearance. I was called on the 15 th of July and went to my PCP on the 16 th and it was faxed to the office the same day. My insurance company said that once they received this letter , I would have my decision in 24 hrs. I called ins company on the 30th of July and they had just received it the day before. Afterwards, all I was told by ins. company was that it was pending. I really did not think I would be approved, but I knew in my heart that this was my last hope. Now that I have a date, I am nervous but excited. OCT. 16th!!!