I know this reply is late but...I would download the Anthem App. I experienced lot of back and forth too. But once I got the app and put in my info in EVERYTHING was spelled out in black n white. It tracks how much has been applied to your deductible, max out-of-pocket, all the surgerys they cover at which hospitals etc. I had to do a 6 mo pre op weight checks btw. But I've heard of ppl getting credit for weight checks-supervised diets done previously.