Health Insurance

This is my first time using services from US medical insurance. I have no idea that you have to call to authorize a referral before it can be approved.

*Cross my fingers... I hope I don't get charged more than I am supposed to ... Aaaargh.

Reading this, just exacerbated my worries.... I don't have that amount of money...
http://www.articlesbase.com/diseases-and-conditions-articles/my-meniscectomy-cost-a-lot-711385.html