Thanks for the Welcome! I have BCBS HMO but with this plan, I had to choose a PCP GROUP, the PCP GROUP I chose was RUSH HMO (this was the first time i'd ever heard of this), so instead of BCBS approving me, my PCP Group in conjunction with BCBS approved (when they called BCBS) they were told criteria is up to the PCP GROUP and therefore they had none. At first I thought, this sounds suscpicious so I called BCBS and was told the same thing, then I called my HR department and was told the same thing, then I called RUSH HMO and again, I was told the same thing. I called my surgeons office back and asked them were they sure. And so in the morning, I'll be sitting in his office. :biggrin: