Why can't it just be submitted now?!

I am so nervous that I will not be approved. All of my ducks are in a row and I'm only waiting for the insurance coordinator to submit. I called today (I know I am a pest) and asked if she heard anything. She said that she didn't submit yet. I told her I was dying with nerves and losing sleep. I said it all half joking (half serious) and she was joking back but here I sit...impatient, I guess.

Why would she not submit yet when I am scheduled for 2/11 surgery. She has assured me that I need not worry, that I will be approved, etc. I know I should trust her but I won't believe it until I see it.

Is there any reason why an insurance person would wait to submit?

I have final NUT appt two weeks prior to surgery and I guess I will be meeting with surgeon right before, too. Other than that, everything is done on my part.

I hate not knowing...