I need to explain a little better about the insurance part of this, since I've had some calls. Blue Cross, Blue Shield is Melissa's primary insurance. Banner is her secondary insurance. So, it would be better to go in network with both. (We will have more benefits). If USC says "NO" then we will go to Pittsburgh and Banner may help since we've exhausted all other in network options. I know this is confusing. Let me know if you need further info.