I cant figure out how to do a new post....but i have a question hopefully someone can answer.. Will insurance cover my 2 new hips??? I just got group insurance because my husband has his own business and they had to approve me, but I literally just got the insurance card last week. Will I have any problems using my insurance? I have Anthem Blue Cross PPO $2500 deductable, $5000 out of pocket (whatever that means) $25 co pay office visit $100 emergency room My insurance agent told me to wait for surgery until January if at all possible to be safe (she assured me they would not drop me no matter what, but sometimes they deny surgeries within the first 3-6 months) Also she said another reason I should wait is because the biilling is from January to January? So I guess this means I will save out of pocket money?? If anyone knows what I am talking about I would really appreciate your input! THis forum is so great! Thank you all!