Hi Mellie, I have B/c B/s of Virgina, I live in Ky. but my husband's co. has insurance out of Virgina... I had the Drs. letters on Aug. 6th. and was approved on Aug 8th.!!! Ask your Insurance co. for the entire policy, My Dr, happens to be out of network, but I have out of network coverage. The hospital part will be paid in full. My whole bill would have been paid in full if I would have chosen a DR. in network.Good luck to you. I will have surgery on Aug. 30th...