It was the hospital, not the insurance company. I first went to a small hospital in southern Maryland but they weren't very high tech. A major hospital 45 miles away was my next stop after being transferred by ambulance. They do colon work but not bladder and they are a fairly large and sophisticated hospital complex but they don't do bladder surgeries. Baltimore is 3 hours further north and no way I was going all that distance since it wasn't a life and death situation. Glad the doctors recognized what their limitations are rather than practice on me. May have it done here in WI or at Mayo if it flares up again. Insurance covered everything which I like.