I agree with "Ben & Lisa." My wife had one shoulder replaced at Mayo last August and is scheduled for the other in February. Our PPO covers Mayo, with deductible. We have a "nurses' Mafia" where we live and the consensus is "Mayo" for major, unusual surgery. They are top-notch and you are there with the doctor at your appointment time. Yes -- you schedule ahead, but the wait isn't all that long for such operations. Mayo is a far cry from the "Vet-R-Us" HMO that Obamacare offers.