George, thanks for the details. I originally talked with MBC because i went to that website and thought it was directly related to him. I filled out the historu and returned it. Was told he had reviewed it and i was approved and given a rate. Then someone posted his offi,e phone. Called directly to book. Lora told me they had never seen my application. Also saved me some $$$ by booking directly. I am scheduled for 16th at Nova. Since then MBC has emailed me and offered a better price with other surgeons but I am sticking with Kelly.