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Another billing/financial update: I just called Cigna, and talked to another helpful woman, who again assured me that I do not need to pay the $1275 the surgeon is asking for. She got their billing office phone number, and said she's giving the information to a specialist, who will explain to the doctor that I don't have to pay them anything. She said it would take about 48 business hours, and that if I don't hear back from them in that time (which I'm going to treat as end of day Wednesday) I should call again and give her the confirmation number, which is surprisingly short: 4382. I gave her my office telephone number, because my cell phone was acting up over the weekend (though it seems to be okay now).
ETA: Even that sort of phone call with the insurance company, about large amounts of money, is stressful.
ETA: Even that sort of phone call with the insurance company, about large amounts of money, is stressful.