IndySteel, thank you. I've been trying to figure that out since our insurance changed. We do have a "maximum" for co-insurance. I do think I've met my deductible for this year...thanks to the dog bite

I will mull all of this over before I see my doctor Wednesday. Of course I can't use any of my 2012 medical flexible spending allowance on things from December 2011, so that is also worth considering. I wish things didn't have to be so complicated. Of course, when I figured my flexible spending for next year I was thinking new glasses, not surgery...