After three weeks I received a letter from my husband's insurance company that I have been approved!!!!! I have State Merit in GA and they are not required to cover the surgery until July 1st, 2002. I may have to pay the 20% my husband's insurance doesnt pay b/c i am a teacher and I have to be back at school July 29th. We'll see what my DR. says. I can't wait to be a loser!!!!!!