HELP! Is this typical for insurance coverage or lack of coverage??

[Guest guest]

My OS is out of my insurance network, and his office recently sent a

letter to Blue Cross/Blue Shield explaining the necessity of my

surgery and the estimate of total cost. My husband is freaking out

now because today we got a response from our insurance carrier

telling us that we've been declined for them covering any portion of

the cost.

I'm not as freaked out (yet) because it seems like I've heard more

than once that it is quite customary for insurance companies to

decline covering surgeries such as this. Is my thinking along the

right path? I believe that my doctor's office will need to resubmit

a request once or twice more before BC/BS agrees to cover their

portion of it.

I appreciate your help in allaying his fears and setting both of our

minds at ease.

Thanks!