Federal BCBS changing at the first of the year!!

ur very considerate of ur boss & ur job, yet u do not have to have surgery "approved" w/her/him...it is "medically necessary" surgery & they dont even have to know what the type of surgery is. keep that in mind..... good luck!!!

another thing to think about in regards to trying to have it this year or not is your out-of-pocket expense.  come jan 1 you will be starting all over meeting your deductible.  if you have already had some medical expenses this year you may have met all or most of your yearly deductible and could possibly safe yourself money if you have it this year.  just a thought