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I have to switch before I get started

I was all set on Dr Teng doing my surgery and today I found out that I can't because of a HUUUUUGE bill my old insurance didn't pay. Now I can pay it off but not before this year (or next, it's $12k).

So I made an appointment to see Dr Umbach for July 5th. According to his office, I can do some things to satisfy Aetna and get the surgery approved in three months. Or I can do the customary six months.

Minor bump in the road but from what I have read here Dr Umbach is also an excellent surgeon and that I should worry none.

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